我国城乡居民消费信贷差异的影响因素分析

发布时间：2018-01-01 09:31

本文关键词：我国城乡居民消费信贷差异的影响因素分析　出处：《湖南师范大学》2014年硕士论文　论文类型：学位论文

【摘要】：消费信贷是社会经济和货币信用关系发展到一定阶段的产物,是由银行或者其他类专门机构开办的用于自然人消费的贷款。与生产信贷不同的是,消费信贷的目的是提高居民的即期消费水平、平滑其一生收入和消费的一种贷款形式,它必须以居民的未来收入作为担保。因此消费信贷具有两方面的作用：是优化居民的跨期消费与储蓄活动,实现其个人福利水平的帕累托最优；另一方面是带动汽车、房地产、旅游等其他相关产业的发展,从而实现国家经济的健康、稳定发展。国内外大量研究表明,在当前提倡通过扩大内需来促发展的大背景下,发展消费信贷是提升需求、发展经济的一条有效途径。但现有研究大都集中于从理论上研究我国消费信贷的现状及影响因素,从实证上研究消费信贷与消费及GDP的关系、消费信贷的风险状况,忽视了我国消费信贷发展的城乡差异。城乡消费信贷的差距具体表现在哪些方面?是什么原因导致了这种差距?应该如何克服这种差距?这些问题都没有得到有效解决,因此已有研究无法为我国城乡居民消费信贷的协调发展提供有力指导。基于上述重要的研究意义,本文不仅对已有研究进行了归纳整理,而且从我国的实际情况出发,对我国城乡消费信贷的现状、导致城乡消费信贷差异的影响因素进行理论分析和实证分析,得到如下结论：1.城乡居民消费信贷差异是需求方和供给方的共同影响造成的,其中需求方的影响主要表现为消费信贷能力、消费信贷观念的差异,供给方的影响主要表现为消费信贷环境和消费信贷成本差异,具体表现为年龄、教育水平、家庭年收入、家庭年支出、收入预期、借贷便利程度、居民拮据时融资偏好及借贷成本等因素对城乡消费信贷影响之间的差异。2.这些因素具体是如何影响城乡居民消费信贷的呢?通过实证分析发现：(1)城市居民能否成功取得消费信贷与教育水平、家庭年收入、家庭年支出、居民融资偏好显著正相关；与年龄、收入预期、贷款成本和贷款便利程度的相关程度并不显著。(2)农村居民能否成功取得消费信贷与收入预期、贷款便利程度和拮据时融资偏好显著正相关,与年龄和家庭年收入显著负相关,与教育水平、家庭年支出水平的相关程度不高。最后根据理论和实证分析结果,提出了一些政策建议来促进我国城乡居民消费信贷的协调发展。
[Abstract]:Consumer credit is a product of a certain stage of social and economic development to the currency credit relations, is run by a bank or other specialized institutions for natural consumer loans. Unlike production credit, consumer credit is to improve residents' consumption level, a form of loans smooth their consumption and lifetime income it must, to residents of the future revenue as a guarantee. Therefore consumer credit has two aspects: optimize the activities of the residents "intertemporal consumption and savings, the Pareto optimal achieve their personal welfare level; on the other hand is to drive the car, real estate, tourism and other related industries, so as to realize the economic health of the country and stable development.
A large number of domestic and foreign research shows that in the background of the current advocated by expanding domestic demand to promote development, the development of consumer credit is an effective way to enhance the demand for economic development. But the existing research focused on research status and influencing factors of consumer credit in China from theory, research on the relationship between consumer credit and consumption and from GDP empirical, consumer credit risk status, ignoring the differences between urban and rural areas of the development of consumer credit in China. The gap between urban and rural consumption credit in which aspects? What is the reason for this gap? How to overcome this gap? These problems can not be solved effectively, so the coordinated development of urban and rural consumer credit to existing research residents in China provide strong guidance.
Based on the above important significance to study, this paper not only summarizes the existing research, and from the actual situation of China, the status of urban and rural consumption credit in our country, factors that influence the urban and rural consumer credit of the difference between theoretical analysis and empirical analysis, obtained the following conclusions: 1. urban and rural residents consumption credit is due to the difference of common influence of demand side and supply side, the demand side impact mainly for consumer credit, consumer credit concept differences, the impact of the supply side is mainly manifested in the environment of consumer credit and consumer credit into the differences, the specific performance of the age, education level, family income, family expenditure, income expectations, borrowing convenience, differences between the.2. effects of financing preference and borrowing costs and other factors of urban and rural residents on consumption credit these specific factors how to affect urban and rural residents consumption Credit? Through empirical analysis found that: (1) city residents can succeed in the consumer credit and the level of education, family income, family expenditure, was positively correlated with age, the financing preference of residents; income expectations, the cost of loans and loan convenience related degree is not significant. (2) the success of rural residents to obtain the consumer credit and the expected income is positively related to loan convenience and money when financing preference, and the annual income of age and family was negatively correlated with education level, related to the degree of family expenditure level is not high. According to the results of theoretical and empirical analysis, puts forward some policy suggestions to promote the coordinated development of urban and rural residents consumption credit in our country.

【学位授予单位】：湖南师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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