我国发展消费信贷的对策探讨

消费信贷在我国还是一个新事物,它是市场经济社会中货币信用发展到较高水平时的必然产物.鉴于我国经济发展的特殊性,消费信贷的出现是针对经济活动中有效需求不足引起的通货紧缩而推出的.目前,我国已经结束了短缺经济,进入了买方市场,启动消费信贷的条件已基本成熟.我国潜力巨大的消费需求现状为消费信贷业务提供了广阔的市场前景.因此,开发消费信贷品种,完善金融工具,建立中小型消费信贷机构和消费信贷中介机构,进一步改善消费信贷环境已成为加快改革需要面对和解决的问题.

Measures in Developing Consumer Credit in Our Country

Consumer credit is relatively new in our country, but it is the inevitable result in market economy when money credit develops to a high degree. Due to the particularity of the economic development in our country, consumer credit appears for the deflation caused by lack of demands in the economic activities. At the present, because the insufficient economy is over and the buyer's market has appeared in our country, it is time to start the consumer credit. The great potential consuming demands in our country provide a vast market for consumer credit. Therefore, developing different varieties of the consumer credit, perfecting the financial instruments, establishing medium- and small-scale consumer credit organizations and agencies and improving the environment of consumer credit are problems which we must face and solve when we accelerate our reform.