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促进消费需求增长是我国今后较长时期内的一项重要工作。政府在促进消费需求增长过程中,除了制定相应的消费政策支持外,消费信贷是一项非常重要的举措。要想真正启动消费信贷,提高居民消费水平以促进当前较为疲软的国内需求,亟需解决好以下几个制约我国消费信贷发展的问题及矛盾。(一)消费者承贷能力较弱是制约消费信贷发展的根本原因根据国外消费信贷发展的经验,居民家庭的经济承受能力,即承贷能力(主要是指家庭收入水平、户均金融资产数量)的大小,是决定其是否
Promoting the growth of consumer demand is an important task for a long time to come in our country. In the process of promoting the growth of consumer demand, the government, in addition to formulating the corresponding consumer policy support, consumer credit is a very important measure. In order to really start consumer credit and raise the level of household consumption so as to promote the current sluggish domestic demand, the following problems and contradictions that constrain the development of China’s consumer credit need to be solved urgently. (A) Weak consumer credit capacity is the fundamental reason restricting the development of consumer credit According to the experience of foreign consumer credit development, the economic affordability of the household, that is, the ability to borrow (mainly refers to the family income level, the average number of financial assets per household ) The size of the decision is whether it is