摘要
本文分析了消费信贷需求的影响因素。收入是影响消费信贷需求的首要因素。在确定性情况下,消费信贷需求主要取决于当期收入与持久收入之间的关系。如果考虑到收入的不确定性,则对未来收入的预期以及收入的波动性都会对消费信贷需求产生影响。在对不同消费者的信贷需求加总时,收入分配是决定总体消费信贷需求的重要因素。其次,消费者的负债倾向决定了其对于消费信贷的使用。最后,消费者对于耐用消费品的需求、购买方式以及耐用消费品的价格等都会对消费信贷需求产生影响。
This article analyzes factors affecting the demand for consumer credit. As a primary factor, income determines the demand for consumer credit through the relationship between the temporary income and permanent income, the expectation and the volatility of future income. Moreover, consumers＇ willingness to borrow is also a key factor. Finally, consumers＇ demand for durables, together with the pattern to buy durables and the price of durables, plays an important role in consumer credit.
出处
《特区经济》
北大核心
2006年第10期45-46,共2页
Special Zone Economy
关键词
消费
消费信贷
因素
consumption
consumer credit
factors
