消费信贷对经济增长效应的实证分析——以福建省为例摘要本文以福建省为例，研究了消费信贷对经济增长的影响。福建省近年来在经济发展上取得了连续性成就，但从整体上来看，福建省的经济实力比起发达省份还是有一定差距。从具体来看，最关键的原因还是福建省偏低的居民消费率，消费对经济的推动作用尚未完全发挥出来。而消费信贷作为扩大消费、减少储蓄、提高社会边际消费倾向的重要工具，有助于优化资产结构、推动经济健康发展，但如果任由其自由发展，可能会向市场传递一定的虚假信号，对经济的增长产生挤出效应甚至于造成经济的异常波动。关键词：经济增长，消费信贷，福建省ABSTRACTTaking Fujian Province as an example, this paper studies the impact of consumer credit on economic growth. Fujian Province has made continuous achievements in economic development in recent years, but overall, Fujian's economic strength still lags behind that of developed provinces. From a specific point of view, the key reason is the low consumption rate of residents in Fujian Province, and the role of consumption in promoting the economy has not yet been fully played. As an important tool to expand consumption, reduce savings and increase marginal propensity to consume, consumer credit can help optimize asset structure and promote healthy economic development. However, if it is allowed to develop freely, it may send a certain false signal to the market, resulting in crowding out effect on economic growth and even causing abnormal economic fluctuations. Taking Fujian Province as an example, this paper studies the impact of consumer credit on economic growth. Fujian Province has made continuous achievements in economic development in recent years, but overall, Fujian's economic strength still lags behind that of developed provinces. From a specific point of view, the key reason is the low consumption rate of residents in Fujian Province, a...
