我国消费信贷发展对策研究  

Countermeasures for the Development of Consumptive Credit in China

作　　者：刘燕[1] 

机构地区：[1]湖南商务职业技术学院,湖南长沙410205

出　　处：《财经理论与实践》2004年第2期26-29,共4页The Theory and Practice of Finance and Economics

摘　　要：我国消费信贷发展滞后 ,在银行、消费者、市场等多方面存在着不同程度的问题。借鉴发达国家的成功经验 ,促进我国消费信贷发展 ,当务之急要全面提高消费者的收入水平、建立健全社会保障体系、建立我国消费者破产制度、建立消费信贷风险防范机制和建立健全个人信用信息系统。In China, consumptive credit business lags far behind the need. Obstacles of its development exist to some extent in bank, consumer and market. Experience of the business in advanced countries shall be helpful for China for reference to improve the development of consumptive credit business. Income of consumers should be increased; social security system should be improved; a consumer bankruptcy mechanism, a consumptive credit risks protection system, and a full-functioned personal credit information system should all be set up.

关 键 词：消费信贷 中国 信贷风险 个人信用信息系统 风险防范机制 商业银行 贷款偿还期 经营理念 

分 类 号：F832.479[经济管理—金融学] F832.33