發(fā)布時(shí)間：2018-07-25 16:17

【摘要】：目前我國(guó)經(jīng)濟(jì)正面臨著有效需求不足的矛盾，特別是消費(fèi)需求長(zhǎng)期處于較低水平，消費(fèi)率比中等發(fā)達(dá)國(guó)家水平低15到20個(gè)百分點(diǎn)。在這種形勢(shì)下，消費(fèi)信貸的研究具有重大現(xiàn)實(shí)意義。2012年9月1日，國(guó)務(wù)院辦公廳印發(fā)了《國(guó)內(nèi)貿(mào)易發(fā)展“十二五”規(guī)劃》，指出要穩(wěn)步發(fā)展消費(fèi)信貸市場(chǎng)，有針對(duì)性地培育和鞏固消費(fèi)信貸增長(zhǎng)點(diǎn)，集中推進(jìn)汽車(chē)、家電、教育、旅游等與改善民生密切相關(guān)的信貸消費(fèi)發(fā)展。此規(guī)劃是在國(guó)家實(shí)施擴(kuò)大內(nèi)需特別是消費(fèi)需求戰(zhàn)略的背景下出臺(tái)的，必將推動(dòng)諸如家電、教育、旅游、電子商務(wù)等領(lǐng)域消費(fèi)信貸快速發(fā)展。本文首先界定了消費(fèi)信貸的概念,并對(duì)消費(fèi)信貸的分類進(jìn)行了分析，然后介紹了關(guān)于消費(fèi)信貸的一些相關(guān)理論。其次，對(duì)目前我國(guó)消費(fèi)信貸市場(chǎng)現(xiàn)狀、消費(fèi)信貸發(fā)展中存在的問(wèn)題以及出現(xiàn)這些問(wèn)題的原因作了深入分析。再次，，研究和總結(jié)了西方發(fā)達(dá)國(guó)家發(fā)展消費(fèi)信貸的經(jīng)驗(yàn)教訓(xùn)。最后，從做好消費(fèi)信貸的宣傳工作，加強(qiáng)消費(fèi)信貸中的風(fēng)險(xiǎn)防范和管理，提高商業(yè)銀行的防范意識(shí)，建立健全消費(fèi)信貸的相關(guān)制度和法規(guī)，提出了推動(dòng)我國(guó)商業(yè)銀行消費(fèi)信貸健康發(fā)展切實(shí)可行的對(duì)策建議。
[Abstract]:At present, our economy is facing the contradiction of insufficient effective demand, especially the consumption demand is in a low level for a long time, the consumption rate is 15 to 20 percentage points lower than that of the middle developed countries. In this situation, the study of consumer credit is of great practical significance. On September 1, 2012, the General Office of the State Council issued the 12th Five-Year Plan for the Development of domestic Trade, pointing out that the consumer credit market should be developed steadily. We should cultivate and consolidate the growth point of consumer credit, and focus on promoting the development of credit consumption which is closely related to the improvement of people's livelihood, such as automobile, household appliances, education, tourism and so on. Under the background of the national strategy to expand domestic demand, especially consumer demand, the plan will promote the rapid development of consumer credit in fields such as household appliances, education, tourism, e-commerce and so on. This paper first defines the concept of consumer credit, analyzes the classification of consumer credit, and then introduces some related theories about consumer credit. Secondly, the present situation of consumer credit market in China, the problems existing in the development of consumer credit and the reasons for these problems are deeply analyzed. Thirdly, it studies and summarizes the experience and lessons of developing consumer credit in western developed countries. Finally, from doing well the propaganda work of consumer credit, strengthening the risk prevention and management in consumer credit, raising the commercial bank's guard consciousness, establishing and perfecting the relevant system and regulations of consumer credit, The paper puts forward some feasible countermeasures and suggestions to promote the healthy development of consumer credit in Chinese commercial banks.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前5條

1 楊大楷,俞艷;中國(guó)個(gè)人消費(fèi)信貸狀況及風(fēng)險(xiǎn)防范研究[J];金融論壇;2005年07期

2 江山;鄭羽;;國(guó)有商業(yè)銀行個(gè)人消費(fèi)信貸風(fēng)險(xiǎn)及應(yīng)對(duì)策略[J];福建金融;2006年04期

3 張玉海;;關(guān)于商業(yè)銀行消費(fèi)信貸業(yè)務(wù)發(fā)展的思考[J];科技經(jīng)濟(jì)市場(chǎng);2008年06期

4 汪坤良;陳頭喜;;我國(guó)個(gè)人消費(fèi)信貸風(fēng)險(xiǎn)的現(xiàn)狀分析及防范[J];企業(yè)經(jīng)濟(jì);2007年11期

5 王娟;;我國(guó)商業(yè)銀行消費(fèi)信貸業(yè)務(wù)存在的問(wèn)題、成因及其風(fēng)險(xiǎn)管理研究[J];特區(qū)經(jīng)濟(jì);2011年05期

本文編號(hào)：2144365