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发展消费信贷是刺激消费、扩大内需的重要途径,尤其是在我国经济运行呈现出供给相对过剩和通货紧缩的情况下,扩张投资需求刺激消费作用有限,还需要依靠发展消费信贷扩张有效需求。但我国消费信贷起步较晚,各方面制度规章仍不够完善。随着消费信贷规模的扩大,越来越多的问题开始暴露出来,严重阻碍了消费信贷业务的发展。世界上许多国家和地区在发展信贷业务上已经相当成熟,因此借鉴国外先进的信贷模式和经验是发展我国消费信贷业务的一条捷径。
The development of consumer credit is an important way to stimulate consumption and expand domestic demand. Especially in the context of China’s relative lack of supply and deflation, expansion of investment demand has a limited impact on consumption and expansion of effective demand depends on the development of consumer credit. However, China’s consumer credit started later, and the rules and regulations in all aspects are still not perfect. With the expansion of the scale of consumer credit, more and more problems have begun to emerge, seriously hampering the development of consumer credit business. Many countries and regions in the world are already quite mature in developing credit business. Therefore, drawing on advanced foreign credit models and experiences is a shortcut to developing China’s consumer credit business.