文档介绍：郑州大学西亚斯国际学院
本科毕业论文

题目从发达国家的成功经验看我国
消费信贷业务的发展
指导教师秦庆职称助教
学生姓名邢学亮学号 20091232142
专业金融学班级一班
院(系) 商学院
完成时间 2013年4月02日
从发达国家的成功经验看我国
消费信贷业务的发展
摘要
消费信贷是经济发展的新生产物,它在经济发展的各个方面都起着不可或缺的作用。消费信贷的发展在国外已经有了比较成熟的发展经验,但是在我国由于受到各种社会环境的因素目前发展还处于初级阶段。但是从消费信贷的理论发展和业务发展上面看,还是为将来的大发展奠定了一定的基础。
本文主要从三个部分来分析我国消费信贷业务发展的出路。首先,主要介绍了关于消费信贷的一些重要理论,阐明了消费信贷业务发展的由来和原因。其次,用发达国家先进的成功发展消费信贷的经验来做具体的分析和指导。最后,引出我国消费信贷业务发展中商业银行、消费者中存在的一系列问题,并就这些问题的解决依依做出解释和回答。针对我国目前消费信贷业务发展的情况,制定出一条适合我国消费信贷业务良好发展的路子。政府作为指引人应该给与参与其中的金融机构和消费者大量的政策扶持和建议。
关键词消费信贷/商业银行/消费者/政策建议
IN VIEW OF THE DEVELOPMENT OF CONSYMER CREDIT BUSINESS FROM THE ESSFUL EXPERIENCE OF THE DEVELOPED COUNTRIES
ABSTRACT
Consumer credit newborn product of economic development, it plays an integral role in all aspects of economic development. Development of consumer credit in a foreign country has been more mature development experience, but in our country due to various factors of the social environment development is still in the primary stage. But see above from the theoretical development of the consumer credit and business development, laying a foundation for future development.
In this paper, three parts to analyze the way out of the development of the consumer credit business in China. Firstly, it introduces some important theories about consumer credit, to clarify the origin and cause of the development of the consumer credit business. Second, the developed countries the essful development of consumer credit experience to do the analysis and guidance. Finally, leads to the development of China's consumer credit business mercial banks, consumers in a series of problems, and explain and answer reluctant to make the solution of these problems. Consumer credit business development, and work out a suitable path of the good development of the consumer credit business in China. Government, as the guidelines should be given to participating financial institutions and consumers a lot of policy support and advice.
KEYWORES consum