| 发展个人消费信贷的思考 |
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| 引用本文： | 马若微.发展个人消费信贷的思考[J].河南教育学院学报(哲学社会科学版),2001,20(2):103-105. |
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| 作者姓名： | 马若微 |
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| 作者单位： | 中国农业银行郑州市行,河南,郑州,450003 |
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| 摘 要： | 目前我国实行个人消费信贷面临一些障碍 ,致使消费信贷低迷 ,直接影响经济增长目标的实现。发展个人消费信贷 ,目前的政策取向是 :1、加大宣传力度 ,转变消费观念 ;2、提高居民实际收入 ;3、健全社会保障制度 ;4、加快个人消费信贷体系建设。
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| 关 键 词： | 消费信贷 消费观念 消费预期心理 储蓄存量 还贷能力 |
| 文章编号： | 1006-2920(2001)02-0103-03 |
| 修稿时间： | 2001年1月2日 |
Thinking About the Development of Personal Consuming |
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| MA Ruo,wei.Thinking About the Development of Personal Consuming[J].Journal of Henan Education Institute(Philosophy and Social Science Edition),2001,20(2):103-105. |
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| Authors: | MA Ruo wei |
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| Abstract: | There are some obstacles in carrying out the personal consuming credit and the realization of economic growth target is negatively affected.These are some current policies to develop the personal consuming credit: 1.Changing the consuming conception by propagating 2.Increasing habitants' actual income 3.Strengthening social security system 4.Constructing personal consuming credit system speedily |
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| Keywords: | consuming credit consuming conception anticipate consuming psychology savings capability of loan repaying |
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