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当前,海南经济呈现出速度与结构、质量、效益协调发展的良好态势,人民生活继续得到改善。然而,海南经济运行仍然存在基础设施较为单一、经济与社会发展不够协调等一些问题,尤其是社会有效需求仍显不足,它是制约海南省经济发展的重要因素。本文从海南地区的收支现状和消费需求特点入手,阐述了海南省消费信贷发展对拉动居民消费需求的重要作用和积极影响,并在此基础上指出了当前信贷支持海南省消费需求发展中存在的主要问题,对如何进一步加强和改善信贷支持以发展海南省消费需求的提出了相关建议和探讨。
At present, Hainan’s economy has shown a good momentum of coordinated development of speed, structure, quality and efficiency, and people’s living conditions have continued to improve. However, there are still some problems in Hainan’s economic operation, such as a relatively simple infrastructure and a lack of coordination between economic and social development. In particular, the effective social demand is still insufficient. It is an important factor that restricts Hainan’s economic development. This paper starts with the present situation of revenue and expenditure and the characteristics of consumer demand in Hainan Province, and expounds the important role and positive impact of the development of consumer credit in Hainan Province on stimulating residents’ consumption demand. On this basis, it points out the current credit support exists in the development of consumer demand in Hainan Province Of the main issues, on how to further strengthen and improve credit support to develop consumer demand in Hainan Province made recommendations and discussions.