摘要
虽然近年来我国个人消费信贷发展速度较快,对促进消费,扩大内需,提高人民生活水平,推动中国经济的高速发展发挥了重要作用,但与发达国家相比仍存在很多不足和缺陷。目前个人消费信贷业务,应逐步建立有效的全社会个人信用管理体系,消除信息不对称问题,提高金融机构管理水平,从而促进个人消费信贷业务的快速发展。
In these yeas, our personal consuming credit grow rapidly. It plays a very important role in encouraging consume, enlarging domestic demand, putting up people＇s living standard and speeding up Chinese economic development. But it still has some shortages. Nowadays it should gradually establish effective social personal credit management system, eliminate information dissymmetry, and improve financial management level so as to speed up personal consuming credit development.
出处
《天津市财贸管理干部学院学报》
2007年第1期41-42,共2页
Journal of Tianjin Institute of Financial and Commercial Management
关键词
个人消费信贷
个人信用
风险管理体系
personal consuming credit
personal credit
risk managing system
