摘要
西方发达国家消费信贷发展迅速 ,对经济和市场的作用巨大。它对消费需求有乘数作用 ,可提高中低收入者的消费水平 ,可开辟银行新业务 ,可充分发挥中央银行货币政策调控作用。我国目前面临着社会有效需求不足、产品过剩严重、企业开工不足和社会贫富差距扩大等问题 ,迫切需要发展消费信贷 ,刺激消费需求 ,提高中低收入者消费水平 ,促进社会总供求平衡 ,实现国民经济良性循环和稳定增长。
The consumption credit of the western developed countries has developed rapidly and played an important part in economy and society. It has multiplier effects on consumption demand, and raises the consumption level of people of the middle and lower income, and increase the new banking business, and enhances the adjustment function of monetary policies by central bank.Facing the problems on short effective demand, over production, unemployment and unfair distripution, our country needs to develope the consumption credit to stimulate the consumption demand, raise the consumption level of the people of the middle and lower income, enhance the equibrium of the aggregate supply and demand and realize the good circulation and stable increasing of the our economy.
