乌鲁木齐市消费信贷效应及对策研究

发布时间：2018-03-18 19:56

本文选题：消费信贷　切入点：消费　出处：《新疆财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：消费信贷是经济发展到一定程度，货币信用关系发展到较高水平时，为缓解消费与生产之间的矛盾，使消费增长速度适应生产增长速度而出现的一种金融服务产品。消费信贷作为一种有效手段，对调节消费需求、促进经济稳定增长、改善银行的资产结构起到十分重要的作用。乌鲁木齐市1999年开办消费信贷业务，在这十几年的发展中其效用发挥的如何，存在什么样的制约因素，并根据制约因素提出完善消费信贷业务的对策建议是本文的主要内容。本文在总结国内及国外学者研究成果的基础上确立了本文的研究思路及方法。本文在界定消费信贷含义、种类、特点的基础上，结合消费函数理论和银行资产管理理论论述了消费信贷对消费者的效应、对银行业的效应、对经济的效应。随后本文通过实证分析了乌鲁木齐市与我国消费信贷的效应，通过对比可以得出乌鲁木齐市消费信贷的效应是低效的。乌鲁木齐市具有发展消费信贷的良好环境，但发展得还不够充分，主要是受到了3方面因素的制约。在消费者方面：收入水平的制约、居民储蓄率高、未来预期的不确定性；在金融机构方面：消费信贷的经营成本高、消费信贷的供给主体为全国性大型商业银行、消费信贷品种单一；在社会环境方面：地方政府的配套服务存在问题，社会保障体系建设不完善，缺乏完善的个人信用征信体系。为此，要从对应的三个方面制定措施，促进消费信贷的发展。提高消费者的收入水平，鼓励消费者消费降低储蓄率，提高消费者的信心，金融机构建设消费信贷中心降低经营成本，鼓励全国性大型商业银行以外的金融机构大力发展消费信贷，鼓励金融机构产品创新，政府完善社会保障制度、完善个人信用征信体系。
[Abstract]:Consumer credit is to alleviate the contradiction between consumption and production when the economy develops to a certain extent and the monetary credit relationship develops to a higher level. As an effective means, consumer credit plays an important role in adjusting consumption demand, promoting stable economic growth and improving the asset structure of banks. In 1999, Urumqi opened the consumer credit business. In the development of these ten years, how did it play its role and what kind of constraints existed? It is the main content of this paper to put forward the countermeasures and suggestions to perfect the consumer credit business according to the restrictive factors. This paper establishes the research ideas and methods of this paper on the basis of summarizing the research results of domestic and foreign scholars. On the basis of category and characteristics, combined with the theory of consumption function and the theory of bank asset management, this paper discusses the effect of consumer credit on consumers and on the banking industry. Then this paper analyzes the effect of consumer credit in Urumqi city and our country by empirical analysis, and draws a conclusion that the effect of consumer credit in Urumqi city is inefficient. Urumqi has a good environment for the development of consumer credit, but it has not developed sufficiently, which is mainly restricted by three factors: the restriction of income level, the high saving rate of residents, the uncertainty of future expectation; In the aspect of financial institutions: the operating cost of consumer credit is high, the main supply of consumer credit is national large commercial banks, the variety of consumer credit is single, in the social environment: the local government's supporting services exist problems, The construction of social security system is not perfect, and there is no perfect personal credit information system. To this end, we should formulate measures from the corresponding three aspects to promote the development of consumer credit, improve the income level of consumers, and encourage consumers to consume and reduce the savings rate. To improve consumer confidence, financial institutions to build consumer credit centers to reduce operating costs, to encourage financial institutions other than large national commercial banks to vigorously develop consumer credit, to encourage financial institutions to innovate in their products, and to improve the government's social security system. Improve the personal credit system.
【学位授予单位】：新疆财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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