摘要
我国消费信贷面临消费观念落后、居民积蓄不均衡、银行不重视、信贷风险防范机制不健全等多种制约因素。要转变居民消费、银行经营思想观念 ,提高居民的收入水平 ,加强消费信贷方面的立法 ,建立和完善全社会范围内的个人信用制度 ,以促进消费信贷发展 ,拉动经济增长。
There are many constraining factors on consuming credit in our country such as backward consuming ideas,uneven resident deposits,little importance paid by banks and imperfectprotection machanism from credit risk, etc. Therefore,while stimulating the residents'consuming ideas and changing the operating ideas of the banks,we should improvethe residents'income level,perfectthe legislation of consuming credit,setup and perfectthe individual creditsystem within the whole country so as to enhance the consumption credit and startthe consuming market.
出处
《安庆师范学院学报（社会科学版）》
2000年第6期44-46,共3页
Journal of Anqing Teachers College(Social Science Edition)
