金融危机背景下中国消费信贷政策探讨

2007年美国爆发的次贷危机最终导致了全球性的金融危机,其根源在于美国社会的过度负债消费。受金融危机的影响,中国出口受阻、产能过剩凸显,为防止经济下滑,政府出台了扩大内需的政策,而追加投资在一定程度上又加剧了产能过剩,不利于经济结构的调整和长远发展,因此应大力促进居民消费,其有效方式是发展消费信贷。消费信贷促成了美国社会的高消费,曾极大地拉动美国经济增长,但过度负债最终拖累了美国经济。因此,中国应该吸取美国的经验和教训,结合中国的国情,合理发展消费信贷,鼓励和提倡适度负债。

On Consumer Credit Policies of China Under Financial Crisis

The U.S. subprime crisis in 2007 has led to the global financial crisis, which is rooted in consumption of excess-indebted- ness in American society. Because of the financial crisis, China's export has reduced, as well as, excess productivity is more clear. In order to prevent the economic descent, the Government has introduced policies on expanding domestic demand. While the additional investment may aggravate the productivity excess to some extent, not conducive to the economic structure adjustment and lo...