中国消费信贷市场发育研究

发布时间：2018-06-10 10:55

本文选题：非收入因素 + 消费信贷与可支配收入之比　；参考：《山东社会科学》2017年09期

【摘要】：影响消费信贷市场均衡的因素可以分为收入因素和非收入因素,对非收入因素的研究有助于消费信贷市场管理侧剔除不易控制的外生收入因素干扰,更有效率的管理消费信贷市场。消费信贷余额与居民可支配收入之比可以用于衡量消费信贷市场非收入因素的好坏。从全国范围看,我国消费信贷余额与居民可支配收入之比接近发达国家水平,影响消费信贷市场均衡的非收入因素比较成熟,我国人均消费信贷低主要受到居民可支配收入影响。分地区看,我国省际消费信贷市场非收入因素具有差异性,一线大都市、东南沿海和西南边疆省份消费信贷市场非收入因素相对成熟,东北、华北大部分省份消费信贷市场非收入因素相对落后。由于我国消费信贷市场供给结构单一,主要是商业银行,以综合利率为代表的金融机构流动性的变化显著影响到市场供给侧的供给能力和供给意愿,是非收入因素中对市场均衡影响较为突出的组成之一,在市场管理时需要格外重视。
[Abstract]:The factors influencing the equilibrium of consumer credit market can be divided into income factor and non-income factor. More efficient management of consumer credit markets. The ratio of consumer credit balance to disposable income can be used to measure the non-income factors in consumer credit market. Nationwide, the ratio of consumer credit balance to resident disposable income is close to that of developed countries, and the non-income factors affecting the equilibrium of consumer credit market are relatively mature. The low per capita consumer credit in China is mainly affected by the disposable income of the residents. By region, the non-income factors of the inter-provincial consumer credit market in China are different. The non-income factors are relatively mature in the first-line metropolis, the southeast coastal areas and the southwest frontier provinces. Most provinces in North China have relatively backward non-income factors in consumer credit markets. As the supply structure of consumer credit market in China is single, mainly commercial banks, the change of liquidity of financial institutions represented by the comprehensive interest rate has a significant impact on the supply capacity and willingness of the supply side of the market. One of the most important components of non-income factors is market equilibrium, which should be paid more attention to in market management.
【作者单位】：山东大学经济学院;
【分类号】：F832.4

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