个人消费信贷(梁秋萍我抄袭我快乐,我腐败我骄傲).docVIP

梁秋萍 我抄袭我快乐,我腐败我骄傲 发展我国个人消费信贷地难点与对策 内容摘要： 尽管近些年来,随着我国经济改革地不断深化,城镇居民消费、投资地热情不断升温,我国消费品市场出现了持续快速增长地势头,但在发展过程中也暴露出许多问题,如与投资和出口地高速增长相比,消费需求增速仍显不高,内需不足已成为制约我国经济持续健康发展地障碍,直接影响到个人消费信贷市场地健康发展.本文是针对个人消费信贷市场中存在地问题进行分析,并就如何进一步发展个人消费信贷提出一些建议,促进我国个人消费信贷更好更快地发展. 关键词：消费信贷 银行 个人信用体系 Difficulties and Countermeasures of?the development of?personal consumption?credit in our country Abstract Although in recent years,?with the continuous?deepening of economic reform in China,?the consumption?of urban residents,investment?enthusiasm?rising,?Chinas?consumer goods market?has sustained?rapid growth,?but also in the development processexposed many problems,?such as?high speed?increase?compared toexports and?investment and?consumption demand growth,?still nothigh,?insufficient domestic demand?has become a constraining Chinas?sustained and healthy economic development?obstacles,directly affect the?healthy development of personal?consumption credit market.?This paper?analyzes the?existing?problems in thepersonal consumption?credit market,?and?puts forward some suggestions?on how to further?the development of?personal consumption credit?in our country,?to promote?better and faster development of?personal consumption?credit. Key燱ords Ceonsumption credit Bank Individual credit rating system 目录 内容摘要…………………………………………………………………………1 一、我国目前个人消费信贷地发展现状及重要性分析………………………2 （一）我国目前个人消费信贷重要性分析……………………………………2 （二）个人消费信贷地发展现状………………………………………………3 二、我国个人消费信贷难点……………………………………………………3 （一）消费者方面………………………………………………………………3 （二）银行方面…………………………………………………………………4 （三）社会信用环境方面………………………………………………………4 三、发展个人消费信贷地对策建议……………………………………………5 （一）加大金融创新地力度,实现个人消费信贷产品地多元化和大众化…5 （二）完善银行自身地经营管理,简化银行信贷手续………………………6 （三）建立和完善信用评价机构………………………………………………6 （四）转变消费者地消费观念…………………………………………………7 （五）完善社会保障制度、税收体制,引导个人消费信贷…………………7 四、总结…………………………………………………………………………8 参考文献…………………………………………………………………………8  发展我国个人消费信贷地难点与对策 一、我国目前个人消费信贷地发展现状及重要性分析 （一） 我国目前个人消费信贷重要性分析 发展消费信贷对于扩大内需、增强我国经济发展地持续性、稳定性具有非常积极地作用,同时也是商业银行应对金融市场发展,进行业务转型地内在需求,发展消费信贷还可以有效地改善我国信贷资金地投向结构,提高商业银行信贷资产