發(fā)展消費信貸的制約因素及對策建議

目  錄
論文摘要（中文） 1
論文摘要（英文） 2
一、我國消費信貸發(fā)展現(xiàn)狀 3
1 80年代以來消費信貸發(fā)展總體趨勢 3
2消費信貸三大品種發(fā)展特征 4
二、制約消費信貸發(fā)展的因素分析 6
1．收入水平與貸款額度相脫節(jié) 6
2 宏觀經(jīng)濟環(huán)境變動影響消費信貸業(yè)務(wù) 7
3 消費信貸業(yè)務(wù)的發(fā)展中銀行面臨著各種各樣的風(fēng)險. 7
三、對于消費信貸業(yè)務(wù)發(fā)展策略的建議 8
1 完善消費信貸法律制度 8
2 建立個人信用評價體系和全社會范圍內(nèi)的信貸資料數(shù)據(jù)庫 9
3 將消費信貸與保險制度有機結(jié)合起來 100
注 釋 122
參考文獻 13

 
摘 要
消費信貸對改善商業(yè)銀行的資產(chǎn)結(jié)構(gòu)和資產(chǎn)質(zhì)量，提高人民的生活水平，推動中國經(jīng)濟的高速發(fā)展發(fā)揮了重要作用。其中，住房貸款，汽車貸款和助學(xué)貸款成為三大主要品種。
消費信貸業(yè)務(wù)存在著各方面的問題和不足，主要問題可分為風(fēng)險因素，信息因素，收入因素及宏觀經(jīng)濟因素。信息不對稱也是目前消費信貸業(yè)務(wù)開展過程中面臨問題之一。
針對存在的問題，筆者建議完善法律制度，建立信用評價體系和創(chuàng)建信貸資料數(shù)據(jù)庫，結(jié)合保險制度，等三個方面來進一步完善我國消費信貸業(yè)務(wù)。具體包括建立健全個人破產(chǎn)制度、擔(dān)保制度、建立信貸資料數(shù)據(jù)庫等措施。

關(guān)鍵詞:消費信貸 發(fā)展現(xiàn)狀 制約因素 發(fā)展策略

                           
 
ABSTRACT
It has not been a long time since the consumer credit has been popular in China, but it has played an important role in improving the assets structure and assets quality of the commercial banks. It also improved the people's living standard and promoted the development of China's economy. Especially in recent years, the speed of development of the consumer credit becomes faster and faster; the range becomes wider and wider. Among them, housing loan, loan for purchasing car and student loans become the three main varieties. Because the development of consumer credit is still at the starting stage in our country, there are a lot of problems, including the factor of risk, the factor of information and the factor of macro economy. The factor of the risk includes credit risks, mobile risk and mortgage risk. Finally, the author of the paper suggest five ways to perfecting the consumer credit market: perfecting the legal system, setting up a credit appraisal system and establishing the database of credit, combining insurance system with consumer credit, consumptive loan securitization and perfecting the secondary market of consumer goods.
Key words：Consumer Credit; Current Situation; Restriction Factor; Development Tactics