论消费信用与个人信用管理体系的构建-金融学专业毕业论文.docx

首都经济贸易大学
硕士学位论文
论消费信用与个人信用管理体系的构建
姓名:孟苏东
申请学位级别:硕士
专业:金融学
指导教师:吴晶妹
20040301
内容提要
改革开放以来我国的经济从长期的卖方市场过渡到了买方市场,这是市场机制走向成熟的重要条件。与此同时,现代市场经济条件下生产与消费之间的矛盾也日渐显现,生产力扩张的速度远远高于消费能力的增长速度。一方面是大量的商品供过于求,另一方面则是广大居民限于收入水平,因而很多消费需求并没有得到满足。大量的商品供过于求使我国宏观市场环境呈现出一种总需求不足的局面。
因此,近几年,我国确立了以扩大内需拉动经济增长的基本经济发展战略。消费信用已经成为促进居民消费的一项重要措施。但是,消费信用在我国的起步较晚,发展还不完善,因此,对消费信用的理论和制度建设问题进行深入研究很有必要。
本文采取了由理论到实践,由国外到国内的论述结构:通过对消费信用的理论分析证明了其产生和发展的必然性和必要性。运用经济学分析方法阐释TN费信用风险发生的机理,以及个人信用管理体系的建立对规避信用风险,促进消费信用发展的重要意义。通过借鉴国外消费信用及信用体系发展的实践经验,对我国消费信用的发展特别是个人信用管理体系的构建提出具体建议。
关键词:消费信用个人信用个人信用管理体系
Abstract
Along with development of China’S reform and opening—up,China has been transforming from the sellers’market to the buyers’market,which is essential to the maturity of market ,The coexistence of the overabundance modities and the dissatisfiedness of the people’s consumptiOff desires reveals China’S lack of consumer credit which iS essential to the realization of the people’S consumption desires and to the increase of domestic aggregate to the contradiction between production and consumption in the market economy,there is a need of taking
certain measures to adjust the growth of consumption to the development of product ion.
Just under this background,the government established a fundamental economic deveIopment Strategy to expand domestic demand,and consumer credit has alSO gone into a high—speed developing that consumer eredit has e an important measures of promoting domestic demand,However, consumer credit started relatively late in our country。and its development iS still quite it is of great necessity to have a deep study on the fundamental theory and institution system of consumer credit.
The dissertatiOFI assumes the expounding methods of theoretieal analysi S and thiS article explains the necessity and justification of consumer credit’S existence and then, i t expounds why eredit risks happen and the effect the pe