发展消费信贷的制约因素及对策建议.doc

发展消费信贷的制约因素及对策建议

目  录
论文摘要（中文） 1
论文摘要（英文） 2
一、我国消费信贷发展现状 3
1 80年代以来消费信贷发展总体趋势 3
2消费信贷三大品种发展特征 4
二、制约消费信贷发展的因素分析 6
1．收入水平与贷款额度相脱节 6
2 宏观经济环境变动影响消费信贷业务 7
3 消费信贷业务的发展中银行面临着各种各样的风险. 7
三、对于消费信贷业务发展策略的建议 8
1 完善消费信贷法律制度 8
2 建立个人信用评价体系和全社会范围内的信贷资料数据库 9
3 将消费信贷与保险制度有机结合起来 100
注 释 122
参考文献 13

 
摘 要
消费信贷对改善商业银行的资产结构和资产质量，提高人民的生活水平，推动中国经济的高速发展发挥了重要作用。其中，住房贷款，汽车贷款和助学贷款成为三大主要品种。
消费信贷业务存在着各方面的问题和不足，主要问题可分为风险因素，信息因素，收入因素及宏观经济因素。信息不对称也是目前消费信贷业务开展过程中面临问题之一。
针对存在的问题，笔者建议完善法律制度，建立信用评价体系和创建信贷资料数据库，结合保险制度，等三个方面来进一步完善我国消费信贷业务。具体包括建立健全个人破产制度、担保制度、建立信贷资料数据库等措施。

关键词:消费信贷 发展现状 制约因素 发展策略

                           
 
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