中国消费信贷市场摘要近年来，经济全球化的趋势加强，我国的经济发展也进入了快车道。目前我国已经进入买方市场经济，经济增长速度过快，造成产能过剩和产品过剩的状况。如何解决这一不利于我国经济健康发展的问题，成为政府急需解决的问题，为此，国家大力发展个人消费信贷，促进国内消费需求，来刺激我国市场的活性，促进经济增长。本文运用所学知识，首先，在国内外消费信贷含义综述的基础上，对消费信贷的概念进行重新表述；然后，从消费信贷和现代消费两个方面提出消费信贷的理论依据；最后，在对若干概念重新定义的基础上，提出消费信贷的供需分析框架。然后简单阐述了我国个人消费信贷业务的现状，接着重点指出我国个人消费信贷业务存在的问题并进行原因分析，最后结合实际情况，通过借鉴国外发达国家以及地区的商业银行个人消费信贷业务的先进方法和成功措施，从内部外部建设两方面提出治理的对策。关键词：消费信贷；市场；问题AbstractInrecentyears,economicglobalizationtrendstrengthen,theeconomicdevelopmentofourcountryhasenteredthefasttrack.Atpresentourcountryhasenteredabuyer'smarketeconomy,economicgrowthrateistoorapid,causedbyexcesscapacityandthesituationofoverproduction.HowtosolvethisoneisnotconducivetothehealthydevelopmentofChina'seconomicproblems,becomeagovernmenttosolvetheproblem,forthis,thestatevigorouslythedevelopmentofpersonalconsumercredit,thepromotionofdomesticconsumptiondemand,tostimulatetheactivityofourcountrymarket,stimulativeeconomygrows.Inthispaper,usingtheknowledge,firstofall,athomeandabroadbasedonthesummaryofconsumercreditmeaning,theconsumercreditconceptrepresentation;andthen,fromtheconsumercreditandmodernconsumptiontworespectsputforwardconsumptioncredittheory;finally,thenumberofconceptredefinedbasedontheanalysisofsupplyanddemand,putforwardtheconsumercreditframe.AndthenbrieflyexpoundedChina'spersonalconsumptioncreditbusinesspresentsituation,thenpointouttheindividualconsumptioncreditbusinessinChinatheexistingproblemsandthereasonsforanalysis,combinedwiththeactualsituation,throughdrawinglessonsfromforeigndevelopedcountryandareacommercialbankspersonalconsumercreditbusiness,advancedmethodsandmeasures,frominternalandexternalconstructiontwoaspectsofmanagementcountermeasureKeywords:consumercredit;market;problem目录摘要......................................................................................................................................IAbstract................................................................................................................................II1消费信贷市场相关理论概述.............................................................................................12中国消费信贷市场发展现状.............................................................................................13中国消费信贷市场存在问题.............................................................................................23.1消费信贷机会不均等...............................................................................................23.2居民消费意识淡薄...................................................................................................23.3消费信贷法律体系不完善.......................................................................................33.4个人信用制度很不完善...........................................................................................44对策建议..............................................................................................................................
