知识与财富的链接
借贷消费是消费者重要的决策,消费信贷是一种正规或非正规金融机构提供的金融产品,其业务发展主要受供给和需求两大类因素的影响。中国从20世纪90年代开始引入消费信贷业务并取得了巨大进展,但中国消费信贷的发展水平与发达国家仍有很大差距,这表明,消费信贷在中国有着巨大的发展空间。本文实证研究中国消费者在进行消费信贷选择时遇到的主要约束因素及其影响程度,并提出发展中国消费信贷业务的相应对策建议。
Borrowing consumption is an important decision for consumers.The consumer credit is a financial product provided by both regular and informal financial institutions,mainly affected by two major factors,namely supply and demand.China has introduced consumption credit business since 1990s and has made great progress.However,there is still a large gap between the development level of Chinas consumption credit and that of developed countries,which indicates huge development space.This paper mainly analyzes the main constraint factors and influence when consumers make consumption credit choices,and further proposes corresponding countermeasures and suggestions about the development of consumption credit business in China.
