对需求不足的信贷对策

我国的市场需求走势,符合一般规律,但也有其特殊表现.主要有两个特征一是货币紧缺,大众居民收入窘困;二是消费不足,商品积压,库存增加.针对需求不足的现状,应尽快出台激活消费信贷业务的举措.其内容主要包括(1)引导大众消费意识;(2)增加低收入群的收入;(3)为高档消费贷款提高有效服务;(4)降低住房和汽车的成本和价格;(5)消费信贷与保险业务结合;(6)加大银行自身改革力度.

The Credit Countermeasures to Shortage of Demand

Besides the commonly found ones,the trend of market demand in our country has other feature,that is, the disinflation policy has led to the awkward situation of shortage of demand among the masses,and consequently underconsumption and marketable surplus.In view of this situation,it is necessary to take effective measures to animate consumption credit bnsiness including guiding consumption demond practically;increasing the income of low-pay masses;improving the available service for the high-grade consumption credit;reducing the cost and price of houses and cars;combining the consumption credit with insurance;deepening the reform of banks.