消费信贷发展的现状及影响因素分析——以甘肃省为例

为扩大消费需求,拉动甘肃经济发展,本文用比较分析法从消费信贷总额、消费信贷品种、业务品种、短期和中长期消费信贷比重等方面分析了甘肃省消费信贷的现状,认为消费观念、消费者承受能力、社会保障制度、农村消费信贷等是影响消费信贷的主要因素,提出了增加农民收入、改变消费观念、提高社会保障力度和开拓农村消费信贷等具体对策。

Analysis of the Present Situation and Influence Factors of Consumption Credit in Gansu Province

By using the method of comparative analysis,this article firstly analyzes the present situation of consumption credit in Gansu province from the aspects of consumption credit amount,consumption credit variety,service variety,and proportion of different varieties;then argues that the main factors influencing consumption credit are the consumption concept,bearing capacity of consumers,social security system,and rural consumer credit;and finally proposes some countermeasures such as increasing the income of farmers,changing the attitude of consumers,enhancing the social security,and improving the countryside consumption credit.