内蒙古自治区消费信贷发展的问题和对策摘 要随着经济水平的不断增长以及人们消费方式与观念的改变，消费信贷开始迅速得到发展，并走入人们的生活。内蒙古自治区作为我国经济欠发达地区之一，其消费信贷的健康快速发展能够更好的调剂社会供求平衡，进一步满足人们日益增长的物质文化生活需要，完善货币政策传导机制同时改善商业银行资产结构和效益。但受到机构数量、业务规模不平衡、业务人员少、水平低、资金来源不稳定，不充足以及牧民消费意识转变程度等因素的影响，极大地限制了内蒙古自治区消费信贷的发展。本文首先介绍了内蒙古自治区消费信贷的发展现状；其次，探讨了内蒙古自治区消费信贷发展存在机构数量、业务规模不平衡业务人员少、水平低资金来源不稳定、不充足等问题；最后针对这些问题提出了为小额信贷机构创造良好的发展环境、进一步提高农牧民的金融意识和信用观念、引入更多资本投入和大力实施人才战略等建议。 关键词：内蒙古自治区；消费信贷发展；消费观念转变Problems And Solutions Of Consumer Credit Development In Inner Mongolia Author: XXXTutor: XXXAbstractWith the changing economic level and people's growing consumption patterns and attitudes, consumer credit began to develop rapidly, and into people's lives. Inner Mongolia Autonomous Region as one of the less developed areas of our economy, healthy and rapid development of its consumer credit society can better adjust the supply and demand balance, and further meet the people's growing material and cultural needs, improve the monetary policy transmission mechanism while improving asset structure of commercial banks and benefit. But by the number of agencies, business scale unbalanced, less business, low levels of funding sources of instability, inadequate consumer awareness and the impact of herders change and other factors, which greatly limits the development of Inner Mongolia consumer credit. This paper introduced the development of Inner Mongolia consumer credit; secondly, to explore the development of a number...
