适应消费结构升级 构建个人消费信用制度  

Establishing Personal Consumption Credit System in Response to the Consumption Structure Upgrading

作　　者：李冬晓[1] 

机构地区：[1]郑州航空工业管理学院,河南郑州450015

出　　处：《征信》2012年第2期20-22,共3页Credit Reference

基　　金：2011年河南省政府决策招标课题(2011B258)

摘　　要：当前,我国经济正在从投资主导型向消费主导型转变。消费信用是现代信用的一种重要形式,对实现我国的经济转型意义重大。为适应我国消费结构的升级,应通过逐步建立个人信用制度、完善消费信用的法制环境、设立消费金融公司、探索新型消费模式,以构建我国个人消费信用制度。At present, China＇s economy is being transformed from an investment - oriented model into a consumption - led model. Consumption credit is one of the important forms of modern credit with a great significance to the realization of China＇s economic transformation. In order to promote the consumption structure upgrading in China, it＇s necessary to gradually establish a personal credit system, to improve the legal environment of consumption credit, to establish consumption financing companies, and to explore new consumption models so as to build up personal consumption credit system in China.

关 键 词：信用制度 消费信用 消费结构 

分 类 号：F832.479[经济管理—金融学]