本科论文摘 要在目前我国的经济形势发生变化的大背景下，为保持经济持续、稳定发展，扩大国家内部的消费需求是最佳方案。而我国的消费需求长期存在着有效性需求不足的问题，为解决该项问题，大力发展消费信贷这一能有效刺激消费增长、扩大国内需求的手段便显得尤为重要。本文的主要内容共分为四个部分。首先界定了消费信贷的概念，对其定义、种类及基本特征进行了说明；随后分析了我国商业银行消费信贷业务的发展状况，依次讨论了我国商业银行消费信贷业务的发展历程、发展现状，并就业务的现状与日本进行了对比，分析出了日本值得我们学习的地方；第三部分则进一步从消费者、商业银行及社会环境三个层面指出了当前我国商业银行的消费信贷业务所存在的种种问题；最后，针对各项问题提出了相应的解决方案。关键字：商业银行 消费信贷 消费金融本科论文AbstractAt present, China's economic situation has changed. To maintain the sustained and stable development of the economy, expanding the domestic consumer demand is the best option. In order to solve this problem, it is particularly important to develop consumer credit which can effectively stimulate consumption growth and expand domestic demand.The main content of this paper is divided into four parts. Firstly, it defines the concept of consumer credit and explains its definition, types and basic characteristics. Then it analyzes the development status of consumer credit business of commercial Banks in China, and discusses the development process and development status of consumer credit business of commercial Banks in China in turn. The third part further points out the problems existing in the consumer credit business of China's commercial Banks from the three aspects of consumers, commercial Banks and social environment. Finally, the corresponding solutions are put forward for each problem.Key words: Commercial Bank,Consumer Credit,Consumer Finance 本科论文目 录前 言.......................................................
