消费信贷与经济增长的协动关系研究

经济增长是一国或地区最重要的目标,只有长期的经济发展才能提升全民的福祉和生活水平。消费是生产的出发点,同时也是最终的归宿。采用离散选择模型对经济增长与短期消费信贷和长期消费信贷的关系进行分析,结果表明,长期消费信贷对经济增长的拉动效应较明显,有效地发挥和挖掘消费信贷带动的长期消费对扩大内需和经济健康稳定发展至关重要。

The Linkage Activity between Consumer Credit and Economic Growth

Economic growth is the main goal of a country or region,and with long economic development the welfare and living standard is raised.Consumption is the starting point of production and the final destination.Through discrete choice model,the relationship between economic growth and short and long consumer credit is tested.The result shows that the pulling effect of long consumer credit on economic growth is obvious.Effective excavation of long consumption spurred by consumer credit is very important to expansion of domestic demand and steady economic development.