论文部分内容阅读
本文首先认为银行消费信贷的发展在我国有一定的必然性,而我国目前又存在诸多制约消费信贷发展的制度因素。所以先从消费信贷的“供”与“求”两个方面分析了目前我国制约消费信贷发展的主要因素。接着,针对我国近期内关于消费信贷的配套制度难以建立的情况下,分析了银行现阶段开展消费信贷业务如何有效防范金融风险。最后,指出为推动消费信贷获得长远发展,我国该建立何种配套制度。
This paper first thinks that the development of bank consumer credit has certain inevitability in our country, and there are many institutional factors that restrict the development of consumer credit in our country at present. Therefore, the author analyzes the main factors restricting the development of consumer credit in our country from two aspects of “supply” and “demand” of consumer credit. Then, in the light of the difficult establishment of the supporting system of consumer credit in our country in the near future, this paper analyzes how banks can effectively prevent financial risks when they start the consumer credit business at this stage. Finally, it points out what supporting system should be established in China to promote the long-term development of consumer credit.