消费金融对我国经济增长影响的研究

发布时间：2018-03-21 09:49

本文选题：消费金融　切入点：发展经济　出处：《天津财经大学》2016年硕士论文　论文类型：学位论文

【摘要】：当前,我国正处在经济转型的重要时期,经济结构由外需向内需转型、由投资向消费转型。我国的消费积极性不高这一现象一直抑制着我国经济的发展。2008年爆发的金融危机使我国看到严重依赖外需发展经济的不足之处,此后,我国政府开始放宽我国的货币政策和财政政策,这些政策一实行就得到了和好的成效,但是,为了保证我国经济未来能够长期平稳地发展,就必须刺激我国内需的缺口完全放开,对我国的当前经济结构进行调整,加以完善。因此,消费金融的出现正是我国经济与时俱进的一个必然。消费金融服务者将资金提供给有资金需求的人们,满足他们的消费需要,刺激国内的消费增长。消费金融主要为满足申请条件的消费者提供诸如住房等耐用品贷款和旅游、教育等其他用途的贷款,但消费金融在我国出现的较晚,在经营的过程中也存在着参与主体单一、风险较大的不足之处。每年的两会时期,许多政策建议的提出,都与人们的生活息息相关。现在,用明天的钱来满足现在的生活需要已经普遍被人们接受,特别是新一代的年轻人。2016两会政府报告中说的"在全国开展消费金融公司试点,鼓励金融机构创新消费信贷产品",这就说明那个信贷的发展有了更加明确的支撑点,同时也激发了消费金融提供者的服务热情。该论文就阐述了信贷对促进经济发展的关系。首先,说明了相关定义和奠定,接着说了信贷对人民生活水平和中国经济的影响的作用。其次说明了中国信贷的发展现状,接下来介绍了我国消费金融所提供的消费信贷的特点,包括以中长期贷款为主,主要用于房贷和车贷等。最后通过对比分析中美两国消费金融的情况,说明了中国信贷有的不好的地方,含有给予贷款的公司数有些少,贷款数目有些少,中国人民的花钱思想比较保守,人们挣的钱有些少,所以因为还不起不再找人借钱了。再者引入了经济的统计方法,运用数据统计的方法说明了信贷的好的意义。首先对比分析了消费和投资对GDP的推动作用,得出消费对GDP的推动作用大于投资对GDP的促进作用。其次,消费金融提供的消费信贷能显著地增加我国居民的消费总量。利用两年前不同地区人们的花钱的数、那个空间的总的经济情况明白,中国人民的花钱数对所在空间总的经济情况的改变很容易看得见。接着查了人们能够借到钱的数对当地的经济情况的改变,明白了人们能够借到的钱越多越能让经济发展越好,也就是贷款的数直接影响着中国经济的好的发展。最后,为了中国贷款有更好的前途提出了以下建议。首先,贷款公司对人们的还钱能力的讨论模式应该一直改变使其更完美;然后,改变居民对贷款的想法,让他们对花钱的想法不再保守;接下来,有关部门更加看紧上级部门的观察,借出钱的一方的数量,管制系统更加严厉立,一些组织应该提供给公司人们还钱能力的文件;让人们赚更多的钱,不断投入公共基础设施,让人们能够及时还钱、敢于借钱。
[Abstract]:At present, China is in an important period of economic transformation, the economic structure from external demand to domestic demand transformation, the transformation from investment to consumption. The phenomenon of China's consumer enthusiasm is not high always suppressed.2008 development of the economy of our country financial crisis makes China see deficiencies, heavily dependent on outside for economic development since then, the Chinese government began the relaxation of China's monetary policy and fiscal policy, the implementation of a policy to get good results, but in order to ensure the future of the Chinese economy long-term stable development, it is necessary to stimulate domestic demand gap completely liberalized, the current economic structure of our country to be adjusted. Perfect. Therefore, there is a financial consumption trend of our economic times. Consumer financial services will provide money for people to meet their funding needs, stimulating domestic consumption needs. The growth of consumption. Consumer finance mainly to meet the conditions for application such as consumer durable goods such as housing loans and tourism, education and other uses of the loan, but consumer finance in our country appear later in the process of operation, there are deficiencies in the subject in a single, larger risk. The annual NPC and CPPCC period, put forward many policy recommendations, and are closely related to people's life. Now, with tomorrow's money to meet the needs of life now has been widely accepted by people, especially the new generation of young people.2016 NPC and CPPCC government report said "in the national Consumer Finance Companies pilot, encourage financial institutions to innovative consumer credit products", which shows the development of the credit has a strong point more clearly, but also to stimulate the consumption of financial service providers. This paper expounds the enthusiasm of credit relations to promote economic development. First of all, the relevant definition and lay, and said the impact of credit on the level of people's life and economic China role. The second describes the development status of China credit, then introduces the characteristics of China's consumer finance provided by consumer credit, including long-term loans, mainly for mortgage and car loan etc. Finally. Through the comparative analysis of Sino US two countries consumer finance, the China credit place is not good, the number of companies to give loans to contain some small number of loans, some people spend less, Chinese conservative people earn money, some less so, because I can't afford not to find someone to borrow money. Furthermore the introduction of the economic statistics method, using the method of statistical data shows that the meaning of good credit. Firstly, comparative analysis of the role of consumption and investment to GDP, the consumption of GDP is greater than the pushing effect To promote the role of investment in GDP. Secondly, the consumer finance provide consumer credit can significantly increase the total consumption of residents in China. By spending two years ago the people in different regions, the overall economic situation of the space that people spend money on the number of Chinese space total economic situation changes easily visible. Then check the change of people to borrow money on the local economy, see more people to borrow more money to make economic development better, it is the loan number directly affects the Chinese good economic development. Finally, in order to Chinese loans have a better future and put forward the following suggestions. First of all the company, on people's ability to repay the loan discussion mode should always change to make it more perfect; then, the change of residents ideas for loans, allowing them to spend money is no longer a conservative idea; next, the relevant departments More observation of superior departments tight money, borrow quantity on one side of the control system, more stringent legislation, some organizations should provide to the company the ability of people to pay back the money; let people earn more money, continue to invest in public infrastructure, allowing people to timely repay, dare to borrow money.

【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.4;F124.1

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