应当充分认识消费信贷的作用

消费信贷之所以能在发达市场经济国家普遍发展起来,不仅在于它的产生和发展具有适宜的经济环境和文化环境,更重要的是它本身具有独特的功能,对金融机构、生产部门、销售部门和消费者都起着积极的作用。消费信贷目前在中国的发展还很不充分,需要相当长的时间来改善有利于它发展的各种环境,而正确认识消费信贷对我国经济发展和人民生活水平提高的重要作用,无疑是必须要走的第一步。对消费信贷的积极作用要认识,对消费信贷的负面作用也要认识,只有这样,消费信贷才能在我国得到健康稳妥的发展。

Giving Adequate Attention to the Positive Effects of Consumer Credit

Consumer credit enjoys universal development in advanced countries of market economy, not only because its growth is under favorite environment of economy and culture, but also becaruse of its positive effects on financial departments,production departments,sales department and consumers. Consumer credit is not adequately developed in China and there is a long way to improve the environment for its growth.The first step should be understanding the importance of consumer credit in developing economy and improving people's living standard.At the same time,attention should be given to the negative effects of consumer credit, and only in this way can consumer credit develop healthily and steadily.