中国消费信贷市场发展问题及对策摘要近年来，经济全球化的趋势加强，我国的经济发展也进入了快车道。目前我国已经进入买方市场经济，经济增长速度过快，造成产能过剩和产品过剩的状况。如何解决这一不利于我国经济健康发展的问题，成为政府急需解决的问题，为此，国家大力发展个人消费信贷，促进国内消费需求，来刺激我国市场的活性，促进经济增长。本文运用所学知识，首先，消费信贷市场相关理论进行概述，分别介绍了消费信贷的概念和消费信贷的形式；其次，深入分析了中国消费信贷市场发展现状；然后，在此基础上详细分析了中国消费信贷市场在发展过程中存在的问题；最后，针对目前我国消费信贷市场存在的一些问题提出一些对策建议，并希望这些建议对我国消费信贷是市场的进一步发展有一定的帮助。关键词消费信贷；市场；问题IChineseconsumercreditmarketdevelopmentproblemsandCountermeasuresABSTRACTInrecentyears，economicglobalizationtrendstrengthen，theeconomicdevelopmentofourcountryhasenteredthefasttrack.Atpresentourcountryhasenteredabuyer'smarketeconomy，economicgrowthrateistoorapid，causedbyexcesscapacityandthesituationofoverproduction.HowtosolvethisoneisnotconducivetothehealthydevelopmentofChina'seconomicproblems，becomeagovernmenttosolvetheproblem，forthis，thestatevigorouslythedevelopmentofpersonalconsumercredit，thepromotionofdomesticconsumptiondemand，tostimulatetheactivityofourcountrymarket，stimulativeeconomygrows.Inthispaper，usingtheknowledge，firstofall，theconsumercreditmarketprovideanoverviewofthetheory，whichintroducestheconceptofconsumptioncreditandconsumptioncreditform；secondly，in-depthanalysisoftheChineseconsumercreditmarketdevelopmentpresentsituation；then，onthebasisofthis，adetailedanalysisoftheconsumercreditmarketofChinainthedevelopmentprocessintheproblem；finally，inviewofthepresentourcountryconsumercreditmarketsomeoftheproblemsputforwardsomecountermeasuresandsuggestions，andhopethatthesesuggestionsforChina'sconsumptioncreditisthefurtherdevelopmentofthemarketmusthavethehelpof.KEYWORDSconsumercredit；market；problemII目录中文摘要.....................................................I英文摘要....................................................II引言.........................................................11消费信贷市场相关理论概述...................................11.1消费信贷的概念..................................................11.2消费信贷的形式..................................................22中国消费信贷市场发展现状....................................23中国消费信贷市场存在的问题.................................33.1消费信贷机会不均等...............................................33.2居民消费意识淡薄.................................................33.3消费信贷法律体系不完善...........................................43.4个人信用制度很不完善.............................................54对策........................................................64.1简化家庭消费信贷审批手续.........................................64.2加强农村消费信贷宣传.............................................64.3完善信贷法律体系.................................................74.4构建个人信用制度.................................................7结论.........................................................8致谢.......................................................9参考文献....................................................10III引言消费信贷是商业企业、银行或其他金融机构对消费者个人提供的信贷，主要用于消费者购买耐用消费品（如家具...
