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鉴于世界经济形势不同程度地受到亚洲金融危机的影响,我国央行和美联储及西方主要经济大国相继连续下调基准利率,以期刺激消费和投资。我们知道在经济增长三要素(出口、消费和投资)中,当出口受到严重影响的条件下,消费和投资是拉动经济增长的主要手段,而消费所起的作用在某种程度上比投资更重要,因为消费需求才是市场畅旺和经济活跃的最终动力。增加消费信贷是刺激消费,活跃市场,保持经济持续、健康、稳定发展的。从一定意义上说,在进一步发挥货币政策作用的条件下,消费信贷还具有较强的政策引导效应。
In view of the fact that the world economic situation is affected by the Asian financial crisis in varying degrees, the Central Bank of China, the Federal Reserve and the major western economic powers have successively lowered their benchmark interest rates in order to stimulate consumption and investment. We know that in the three elements of economic growth (exports, consumption and investment), consumption and investment are the main means of stimulating economic growth when exports are severely affected. And the role of consumption in some extent is more than that of investment Important, because consumer demand is the ultimate motivation for a thriving economy and an economically viable economy. To increase consumer credit is to stimulate consumption and activate the market so as to maintain a sustained, healthy and stable economic development. In a certain sense, under the condition of giving further play to the role of monetary policy, consumer credit also has a strong policy guiding effect.