發(fā)布時(shí)間：2018-01-01 09:31

  本文關(guān)鍵詞：我國城鄉(xiāng)居民消費(fèi)信貸差異的影響因素分析　出處：《湖南師范大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 消費(fèi)信貸 城鄉(xiāng)差異 融資偏好

【摘要】：消費(fèi)信貸是社會經(jīng)濟(jì)和貨幣信用關(guān)系發(fā)展到一定階段的產(chǎn)物,是由銀行或者其他類專門機(jī)構(gòu)開辦的用于自然人消費(fèi)的貸款。與生產(chǎn)信貸不同的是,消費(fèi)信貸的目的是提高居民的即期消費(fèi)水平、平滑其一生收入和消費(fèi)的一種貸款形式,它必須以居民的未來收入作為擔(dān)保。因此消費(fèi)信貸具有兩方面的作用：是優(yōu)化居民的跨期消費(fèi)與儲蓄活動,實(shí)現(xiàn)其個(gè)人福利水平的帕累托最優(yōu)；另一方面是帶動汽車、房地產(chǎn)、旅游等其他相關(guān)產(chǎn)業(yè)的發(fā)展,從而實(shí)現(xiàn)國家經(jīng)濟(jì)的健康、穩(wěn)定發(fā)展。 國內(nèi)外大量研究表明,在當(dāng)前提倡通過擴(kuò)大內(nèi)需來促發(fā)展的大背景下,發(fā)展消費(fèi)信貸是提升需求、發(fā)展經(jīng)濟(jì)的一條有效途徑。但現(xiàn)有研究大都集中于從理論上研究我國消費(fèi)信貸的現(xiàn)狀及影響因素,從實(shí)證上研究消費(fèi)信貸與消費(fèi)及GDP的關(guān)系、消費(fèi)信貸的風(fēng)險(xiǎn)狀況,忽視了我國消費(fèi)信貸發(fā)展的城鄉(xiāng)差異。城鄉(xiāng)消費(fèi)信貸的差距具體表現(xiàn)在哪些方面?是什么原因?qū)е铝诉@種差距?應(yīng)該如何克服這種差距?這些問題都沒有得到有效解決,因此已有研究無法為我國城鄉(xiāng)居民消費(fèi)信貸的協(xié)調(diào)發(fā)展提供有力指導(dǎo)。 基于上述重要的研究意義,本文不僅對已有研究進(jìn)行了歸納整理,而且從我國的實(shí)際情況出發(fā),對我國城鄉(xiāng)消費(fèi)信貸的現(xiàn)狀、導(dǎo)致城鄉(xiāng)消費(fèi)信貸差異的影響因素進(jìn)行理論分析和實(shí)證分析,得到如下結(jié)論：1.城鄉(xiāng)居民消費(fèi)信貸差異是需求方和供給方的共同影響造成的,其中需求方的影響主要表現(xiàn)為消費(fèi)信貸能力、消費(fèi)信貸觀念的差異,供給方的影響主要表現(xiàn)為消費(fèi)信貸環(huán)境和消費(fèi)信貸成本差異,具體表現(xiàn)為年齡、教育水平、家庭年收入、家庭年支出、收入預(yù)期、借貸便利程度、居民拮據(jù)時(shí)融資偏好及借貸成本等因素對城鄉(xiāng)消費(fèi)信貸影響之間的差異。2.這些因素具體是如何影響城鄉(xiāng)居民消費(fèi)信貸的呢?通過實(shí)證分析發(fā)現(xiàn)：(1)城市居民能否成功取得消費(fèi)信貸與教育水平、家庭年收入、家庭年支出、居民融資偏好顯著正相關(guān)；與年齡、收入預(yù)期、貸款成本和貸款便利程度的相關(guān)程度并不顯著。(2)農(nóng)村居民能否成功取得消費(fèi)信貸與收入預(yù)期、貸款便利程度和拮據(jù)時(shí)融資偏好顯著正相關(guān),與年齡和家庭年收入顯著負(fù)相關(guān),與教育水平、家庭年支出水平的相關(guān)程度不高。最后根據(jù)理論和實(shí)證分析結(jié)果,提出了一些政策建議來促進(jìn)我國城鄉(xiāng)居民消費(fèi)信貸的協(xié)調(diào)發(fā)展。
[Abstract]:Consumer credit is a product of a certain stage of social and economic development to the currency credit relations, is run by a bank or other specialized institutions for natural consumer loans. Unlike production credit, consumer credit is to improve residents' consumption level, a form of loans smooth their consumption and lifetime income it must, to residents of the future revenue as a guarantee. Therefore consumer credit has two aspects: optimize the activities of the residents "intertemporal consumption and savings, the Pareto optimal achieve their personal welfare level; on the other hand is to drive the car, real estate, tourism and other related industries, so as to realize the economic health of the country and stable development.
A large number of domestic and foreign research shows that in the background of the current advocated by expanding domestic demand to promote development, the development of consumer credit is an effective way to enhance the demand for economic development. But the existing research focused on research status and influencing factors of consumer credit in China from theory, research on the relationship between consumer credit and consumption and from GDP empirical, consumer credit risk status, ignoring the differences between urban and rural areas of the development of consumer credit in China. The gap between urban and rural consumption credit in which aspects? What is the reason for this gap? How to overcome this gap? These problems can not be solved effectively, so the coordinated development of urban and rural consumer credit to existing research residents in China provide strong guidance.
Based on the above important significance to study, this paper not only summarizes the existing research, and from the actual situation of China, the status of urban and rural consumption credit in our country, factors that influence the urban and rural consumer credit of the difference between theoretical analysis and empirical analysis, obtained the following conclusions: 1. urban and rural residents consumption credit is due to the difference of common influence of demand side and supply side, the demand side impact mainly for consumer credit, consumer credit concept differences, the impact of the supply side is mainly manifested in the environment of consumer credit and consumer credit into the differences, the specific performance of the age, education level, family income, family expenditure, income expectations, borrowing convenience, differences between the.2. effects of financing preference and borrowing costs and other factors of urban and rural residents on consumption credit these specific factors how to affect urban and rural residents consumption Credit? Through empirical analysis found that: (1) city residents can succeed in the consumer credit and the level of education, family income, family expenditure, was positively correlated with age, the financing preference of residents; income expectations, the cost of loans and loan convenience related degree is not significant. (2) the success of rural residents to obtain the consumer credit and the expected income is positively related to loan convenience and money when financing preference, and the annual income of age and family was negatively correlated with education level, related to the degree of family expenditure level is not high. According to the results of theoretical and empirical analysis, puts forward some policy suggestions to promote the coordinated development of urban and rural residents consumption credit in our country.

【學(xué)位授予單位】：湖南師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4

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