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Development of consumer credit constraints and Countermeasures

Author: WangJing
Tutor: ChaiPengYi
School: Zhejiang University
Course: Agricultural Economics and Management
Keywords: consumer credit development restrictive factor countermeasure
CLC: F832.4
Type: Master's thesis
Year: 2001
Downloads: 442
Quote: 4
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Abstract

After being reform and opening over twenty years, the economic operating circumstances of national economy of our country have been made deep changes, one of these is the structure of supply and demand has been made essential change -the buyer’s market has been formed. Meanwhile, consumption demand of residents makes a great influence on developing national economy and the influence rise constantly. However, as far as present circumstances are concerned, the low consumption rate and high save rate may be caused economy growth of our country, which is restricted by inadequate domestic market demand in a long period. So it becomes the present basic economic policy of our country government that developing consumer credit and exercise encouraging consumption policy to achieve the aim that expand the domestic demand to promote national economy growth continually and quickly. Moreover, with the tendency of economic globalization and financial market-backed integration become more notable. Our country banking industry will unavoidably participate in international competition more and more. But, that our country is at the turning point of economy and the national enterprises’ management is difficult make the unhealthy credit assets of commercial bank high and the profit of business of tradition deposit and loan declined, and commercial bank urges to find a new effective source of revenue. That developing consumer credit is a major way to change present unfavorable situation of commercial bank. For one thing, it could change the situation that commercial bank loan capital to enterprises only, and reduce the risk causing by industrial factors; For another it could change the status quo of commercial bank’s " soft restriction, hard debt" and obtain more trustworthy source of fund. Meanwhile, the experience of western developed countries has been indicated that consumer credit is an important means for commercial bank to expand scale of management, increase income and improve the ability of market competition. Thus, devoting major efforts to developing consumer credit has been a sort of realistic and inexorable selection for commercial bank.However, the development of consumer credit of our country is not so smooth, the rate of the amount of consumer loan to the amount of total loan is very small, the gap is large comparing with western developed countries. Then how to deeply develop consumer credit in China and how to give full play to affect of consumer credit, which is a task for our economical workers to research. Therefore the factors of demander and supplier restricting the development of consumer credit and analyzed in the present. On the basic of foreign successful experience, a great of investigative materials, countermeasures to developconsumer credit are presented.Part I is about the outline of consumer credit. First, this article discusses the conception, forms and characteristics of consumer credit. Then the article elaborates the significance of developing consumer credit in our country. And it also introduces the development status quo of consumer credit in home and abroad.Consumer’s demand for goods and services produces the demand for consumer credit, so in part II, this article analyses the present consumer’s demand for goods and services firstly. Then under the guidance of relevant theories, it analyses demand of consumer credit basing on material of investigation. Base on analysis above, it puts forward that the low economic capacity and weak psychological capacity of consumer of bearing consumer loan are the major factors of demander, which restrict the developing of consumer credit.In part III, it mainly inquires into the restrictive factors of supplier in developing consumer credit according the principle of management of the major supplier of consumer credit -commercial bank, and by comparing the developing condition of consumer credit at home and abroad in many ways such as the system of organization of providing consumer credit, the interest rate of consumer loan, safety risk, liqui

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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