摘要
分析了消费行为影响因素以及这些因素的变化 ,给出了有无信贷两种情况下消费行为模型 ,并结合我国特点 ,对信贷消费的市场拉动效应及相应的信用政策进行了研究。认为 ,消费信贷的刺激 ,消费总支出增加 ,消费行为将产生消费的“贷款效应” ;在信用政策上应该引导消费文化和消费观念、增加有效供给。
Model of consuming behavior in instance of credit or no credit was presented in this paper, through analyzing the factors of influencing consuming behavior and these factors’ variability according to our national characteristics. The drawing-effect of consumer credit to market and corresponding credit policy were analyzed more deeply, the conclusion was drawn that the gross consuming expenditure would increase because of stimulation of consumer credit, the credit domino effect would be brought out from this consuming behavior, therefore, suggestion was made that the consuming culture and it’s conception should be directed soundly, and the confidence about efficient supply and steady income and payout should be improved.
出处
《沈阳航空工业学院学报》
2004年第1期92-94,共3页
Journal of Shenyang Institute of Aeronautical Engineering
关键词
信贷消费
消费行为模型
中国
贷款效应
信用制度
credit consuming
consuming behavior
model
credit policy
credit domino effect
