| 我国消费信贷的发展现状和对策 |
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| 引用本文： | 李炜.我国消费信贷的发展现状和对策[J].经济经纬,2004(4):133-135. |
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| 作者姓名： | 李炜 |
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| 作者单位： | 平原大学,河南,新乡,453000 |
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| 摘 要： | 中国是一个消费信贷起步较晚,并且很不充分的国家。一方面这与人们的消费习惯有关,同时也与收入不平衡和信贷政策有关。要大力发展消费信贷,就要从建立个人信用制度、加强防范信贷风险等基础性工作着手,加强消费信贷风险的管理。
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| 关 键 词： | 消费信贷 个人信用制度 住房贷款证券化 |
| 文章编号： | 1006-1096(2004)04-0133-03 |
| 修稿时间： | 2004年3月18日 |
A Research on China's Consuming Credit |
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| LI Wei.A Research on China's Consuming Credit[J].Economic Survey,2004(4):133-135. |
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| Authors: | LI Wei |
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| Abstract: | The paper attempts to represent the current situation of consuming credit, pointing out its significance to consumers and banks. Based on an analysis on the obstacles to consuming credit development in the aspect of credit thoughts, credit environment and related market construction, the author makes some countermeasures and suggestions on developing China's consuming credit. |
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| Keywords: | consuming credit personal credit system transfer securities of housing loan |
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