我国消费信贷拓展中面临的问题分析和对策

针对我国个人消费信贷拓展面临的主要问题,从消费者、银行和社会三方面进行了分析,指出消费信贷拓展不畅的根源所在。并在研究发达国家开展消费信贷的成功模式和借鉴其成功经验的基础上,结合我国消费信贷拓展的实际情况,提出了增加消费贷款品种,改善消费信贷环境,建立信用担保制度,加快与保险业有机结合及建立健全法律法规等方面的对策,以利于个人消费信贷在我国的进一步拓展。

Analysis of Consumer Credit Development in China and Its Countermeasures

On the main issue of individual consumer credit,the thesis analyzes the ultimate reason from the view of consumer, bank, and society. Moreover, on the basis of study the successful model of consumer credit in developed country, the thesis sums up the successful experiences and uses for reference. Eventually,combined with the main question of consumer credit in China, the article puts forward a number of countermeasures from the facets of credit variety, credit condition and so on,which would be useful for its development.