针对目前在多数人在消费信贷方面所持的观望态度,有人认为主要原因在于人们的观念落后,思想僵化,因而不愿消费,更不愿借钱消费。 原因并不是如此简单。《中国经济时报》载刘运峰文章认为,存在决定意识,在一个开放化的社会中,任何传统观念都无法抵挡现代文明的冲击。从对消费信贷的调查中发现,相当一部分人对政府的消费信贷政策表示理解,认为推行消费信贷很有必要。因此,如果把人们对消费信贷缺乏热情归结为“观念落后”,未免有些简单化。 人们之所以对消费信贷持一种观望态度,不是不愿消费,而是不敢消费。其中一个重要的原因在于人们对未来的收支预期存在着不确定性,尤其是对未来的收入 In response to the current wait-and-see attitude of most people in consumer credit, some people think that the main reason is that people are backward in ideas and rigid in thinking, so they are reluctant to spend and are less willing to spend money on consumption. The reason is not so simple. According to Liu Yunfeng’s article in the “China Economic Times”, there is a sense of decisiveness. In an open society, no traditional idea can withstand the impact of modern civilization. From the survey of consumer credit, it is found that quite a few people understand the government’s consumer credit policy and think it is necessary to implement consumer credit. Therefore, simplifying people’s lack of enthusiasm for consumer credit as “outdated concepts” is somewhat simplistic. The reason why people hold a wait and see attitude on consumer credit is not reluctant to spend, but they can not afford to spend. One of the important reasons is that people have uncertainties about future revenue and expenditure expectations, especially for future income