發(fā)布時間：2018-01-01 09:31

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

  更多相關文章： 消費信貸 城鄉(xiāng)差異 融資偏好

【摘要】：消費信貸是社會經濟和貨幣信用關系發(fā)展到一定階段的產物,是由銀行或者其他類專門機構開辦的用于自然人消費的貸款。與生產信貸不同的是,消費信貸的目的是提高居民的即期消費水平、平滑其一生收入和消費的一種貸款形式,它必須以居民的未來收入作為擔保。因此消費信貸具有兩方面的作用：是優(yōu)化居民的跨期消費與儲蓄活動,實現其個人福利水平的帕累托最優(yōu)；另一方面是帶動汽車、房地產、旅游等其他相關產業(yè)的發(fā)展,從而實現國家經濟的健康、穩(wěn)定發(fā)展。 國內外大量研究表明,在當前提倡通過擴大內需來促發(fā)展的大背景下,發(fā)展消費信貸是提升需求、發(fā)展經濟的一條有效途徑。但現有研究大都集中于從理論上研究我國消費信貸的現狀及影響因素,從實證上研究消費信貸與消費及GDP的關系、消費信貸的風險狀況,忽視了我國消費信貸發(fā)展的城鄉(xiāng)差異。城鄉(xiāng)消費信貸的差距具體表現在哪些方面?是什么原因導致了這種差距?應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)居民消費信貸的協調發(fā)展提供有力指導。 基于上述重要的研究意義,本文不僅對已有研究進行了歸納整理,而且從我國的實際情況出發(fā),對我國城鄉(xiāng)消費信貸的現狀、導致城鄉(xiāng)消費信貸差異的影響因素進行理論分析和實證分析,得到如下結論：1.城鄉(xiāng)居民消費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為消費信貸能力、消費信貸觀念的差異,供給方的影響主要表現為消費信貸環(huán)境和消費信貸成本差異,具體表現為年齡、教育水平、家庭年收入、家庭年支出、收入預期、借貸便利程度、居民拮據時融資偏好及借貸成本等因素對城鄉(xiāng)消費信貸影響之間的差異。2.這些因素具體是如何影響城鄉(xiāng)居民消費信貸的呢?通過實證分析發(fā)現：(1)城市居民能否成功取得消費信貸與教育水平、家庭年收入、家庭年支出、居民融資偏好顯著正相關；與年齡、收入預期、貸款成本和貸款便利程度的相關程度并不顯著。(2)農村居民能否成功取得消費信貸與收入預期、貸款便利程度和拮據時融資偏好顯著正相關,與年齡和家庭年收入顯著負相關,與教育水平、家庭年支出水平的相關程度不高。最后根據理論和實證分析結果,提出了一些政策建議來促進我國城鄉(xiāng)居民消費信貸的協調發(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.

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

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本文編號：1363957