试谈目前我国消费信用的发展

:目前我国的消费信用尚在起步和探索阶段 ,与国家扩大内需、拉动国民经济增长的宏观调控方针不适应。宣传不力 ,观念保守 ,居民预期消费心理严重 ,消费体制影响 ,消费信用制度和运营机制的不健全 ,是造成现有状况的基本因素。要改变这一现状 ,应普及消费信用对发展社会经济、改善个人生活的积极意义 ,采取适当的收入分配政策以提高居民的收入水平 ,增强消费者的信心 ,引导和鼓励消费需求 ,实施完善的消费信用制度。金融机构宜研究消费群体 ,确定目标 ,介入市场 ,银企联手 ,扩大资金营运和避免投资风险 ,改善居民生活和带动经济生产发展

The Developement of Consumer's Credit in China

Now,the consumer credit in our country still stays at the first stage.It is not suitable to our country's macroeconomic regulation which aims at enlarging the demand at home and increasing national economy. The main cause of it is that we are weak in publicity,conservative in mind, people's expecting consumer psychology is serious, and is also effected by the consuming system as well as that consumer's credit system and management system haven't been perfect.To improve the condition, we should pay more attention to the consumer credit which is of universal significance to develope economy and improve the life standard of people.Some policy should be made to increase the individual income and to encourage the consumer's demand as well as to perfect the system of consumer's credit. It'd be better for the finicial institute to research the consumer group,to point at the purpose, to be engaged in the market. The bank and the enterprises should cooperate to enlarge the range of the capital usage and to get rid of investment risk.