消费信贷对中国汽车消费需求的影响研究

发布时间：2018-02-25 07:04

本文关键词： 消费信贷汽车消费需求消费函数　出处：《东北师范大学》2014年硕士论文　论文类型：学位论文

【摘要】：作为消费信贷的重要组成部分,汽车消费信贷在欧美等发达国家已有近百年的历史,为推动家庭轿车的普及起到了重要作用,我国的汽车消费贷款起步较晚,近几年汽车消费信贷余额虽有较大增长,但相对于发达国家,发展程度较低。与此同时,近年来我国汽车工业得到迅猛发展,汽车销量连续两年刷新世界纪录,我国成为全球汽车保有量第二大国,这也带来了能源安全、环境污染、交通管理等问题,当前的汽车消费市场面临着良性升级的考验。理论上讲,汽车消费信贷能将远期收入转化为现实的购买力,具有影响消费需求的作用。那么,在我国特定的经济背景下,汽车消费信贷在汽车消费的发展中扮演着什么角色,能否发挥引导汽车消费的作用,可否作为调整汽车消费市场结构的政策工具,这些都是值得我们研究的问题。本文通过对消费信贷与消费需求相关理论进行梳理,结合我国当前汽车消费信贷发展现状,对汽车消费信贷对我国汽车消费需求的影响进行了检验,进而得出汽车消费信贷对我国汽车消费需求影响不显著的结论。在此基础上,对限制汽车消费信贷发挥作用的原因进行分析,并进一步得出政策启示。全文共分为以下四部分：第一部分为引言,主要介绍本文的选题背景、研究意义,国内外学者的研究成果,以及整体的研究框架。第二部分为消费信贷与汽车消费需求的理论基础。首先明确了消费信贷与消费需求的相关概念,并重点介绍了消费信贷影响消费需求的相关理论,同时对汽车消费信贷影响消费需求的机理进行了简要阐述。第三部分梳理和归纳了我国汽车消费信贷的发展现状,并建立消费函数模型,对汽车消费信贷对汽车消费需求的影响进行了OLS回归,回归结果显示汽车消费信贷对汽车消费需求的影响不显著。第四部分具体分析了限制汽车消费信贷发挥作用的原因,主要从汽车消费信贷的需求方、供给方及市场环境三个角度进行分析。在此基础上,针对当前的汽车消费市场面临的主要问题得出政策启示。
[Abstract]:As an important part of consumer credit, automobile consumption credit has a history of nearly 100 years in developed countries, such as Europe and America, which has played an important role in promoting the popularization of family cars. Although the balance of automobile consumption credit has increased greatly in recent years, compared with the developed countries, the level of development is relatively low. At the same time, in recent years, the automobile industry of our country has been developing rapidly, and the auto sales volume has broken the world record for two years in a row. China has become the second largest country in automobile ownership in the world, which has also brought problems such as energy security, environmental pollution, traffic management and so on. The current automobile consumption market is facing the test of benign escalation. Theoretically speaking, Automobile consumption credit can transform forward income into real purchasing power and has the effect of influencing consumption demand. Then, under the specific economic background of our country, what role does automobile consumption credit play in the development of automobile consumption? Whether we can play the role of guiding automobile consumption and whether it can be used as a policy tool to adjust the structure of automobile consumption market are all worthy of our study. Combined with the current development of automobile consumption credit in China, the influence of automobile consumption credit on China's automobile consumption demand is tested, and the conclusion that automobile consumption credit has no significant influence on China's automobile consumption demand is concluded. This paper analyzes the reasons for restricting the effect of automobile consumption credit, and draws further policy implications. The full text is divided into the following four parts:. The first part is the introduction, mainly introduces the background, significance, domestic and foreign scholars' research results, as well as the overall research framework. The second part is the theoretical basis of consumer credit and automobile consumption demand. At the same time, the mechanism of automobile consumption credit influencing consumption demand is briefly expounded. The third part combs and summarizes the present situation of automobile consumption credit in our country, and establishes the consumption function model, carries on the OLS regression to the automobile consumption demand influence of the automobile consumption credit. The regression results show that the impact of automobile consumption credit on automobile consumption demand is not significant. Part 4th analyzes the reasons for restricting the function of automobile consumption credit, mainly from the demand side, supply side and market environment of automobile consumption credit. On the basis of this, the paper analyzes the reasons of restricting automobile consumption credit from three aspects: the demand side, the supply side and the market environment. In view of the current auto consumption market facing the main problems to draw policy implications.
【学位授予单位】：东北师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F426.474;F832.4

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