论文部分内容阅读
当前,我国经济在经过20年改革开放的快速发展后,产品供给能力有了大幅度的提高,但人们的现实收入增长与生产能力的增长还不相适应,因而出现了有效需求不足,经济发展遇到困难。根据这种形势,发展消费信贷,刺激消费增长,已是势在必行。中国人民银行根据我国经济形势的变化和国家宏观经济的需要,在去年推出支持个人购买住房和汽车的消费信贷政策后,今年又进一步扩大个人消费信贷的品种范围和贷款规模。这项政策的推出,不仅是我国信贷领域的一项重大创新,而且对国计民生各个方面,都将产生重大而积极的影响。一、基本情况:从去年开始,为了促进消费,扩大内
At present, after the rapid development of 20 years of reform and opening up, the economy of our country has greatly improved the supply capacity of products. However, people’s real income growth is still incompatible with the growth of production capacity. As a result, there are insufficient effective demand and economic development Encounter difficulties. According to this situation, it is imperative to develop consumer credit and stimulate consumption growth. In line with the changes in China’s economy and the needs of the country’s macroeconomy, the People’s Bank of China further expanded the range of personal consumer credit and the scale of loans this year after launching a consumer credit policy that supports individuals in purchasing housing and automobiles. The launch of this policy will not only be a major innovation in the credit field in our country, but will also have a significant and positive impact on all aspects of national economy and the people’s livelihood. First, the basic situation: from last year, in order to promote consumption, expanding within