郑州大学西亚斯国际学院本科毕业论文（设计）题目中国消费信贷市场发展问题及对策指导教师程凌燕职称讲师学生姓名阮翔学号20081232131专业金融学班级金融一班院（系）商学院经贸系完成时间2012年-4-17日中国消费信贷市场发展问题及对策摘要近年来，经济全球化的趋势加强，我国的经济发展也进入了快车道。目前我国已经进入买方市场经济，经济增长速度过快，造成产能过剩和产品过剩的状况。如何解决这一不利于我国经济健康发展的问题，成为政府急需解决的问题，为此，国家大力发展个人消费信贷，促进国内消费需求，来刺激我国市场的活性，促进经济增长。本文运用所学知识，首先，消费信贷市场相关理论进行概述，分别介绍了消费信贷的概念和消费信贷的形式；其次，深入分析了中国消费信贷市场发展现状；然后，在此基础上，详细分析了中国消费信贷市场在发展过程中存在的问题；最后，针对目前我国消费信贷市场存在的一些问题提出一些对策建议，并希望这些建议对我国消费信贷是市场的进一步发展有一定的帮助。关键词消费信贷；市场；问题ChineseconsumercreditmarketdevelopmentproblemsandCountermeasuresABSTRACTInrecentyears，economicglobalizationtrendstrengthen，theeconomicdevelopmentofourcountryhasenteredthefasttrack.Atpresentourcountryhasenteredabuyer'smarketeconomy，economicgrowthrateistoorapid，causedbyexcesscapacityandthesituationofoverproduction.HowtosolvethisoneisnotconducivetothehealthydevelopmentofChina'seconomicproblems，becomeagovernmenttosolvetheproblem，forthis，thestatevigorouslythedevelopmentofpersonalconsumercredit，thepromotionofdomesticconsumptiondemand，tostimulatetheactivityofourcountrymarket，stimulativeeconomygrows.Inthispaper，usingtheknowledge，firstofall，theconsumercreditmarketprovideanoverviewofthetheory，whichintroducestheconceptofconsumptioncreditandconsumptioncreditform；secondly，in-depthanalysisoftheChineseconsumercreditmarketdevelopmentpresentsituation；then，onthebasisofthis，adetailedanalysisoftheconsumercreditmarketofChinainthedevelopmentprocessintheproblem；finally，inviewofthepresentourcountryconsumercreditmarketsomeoftheproblemsputforwardsomecountermeasuresandsuggestions，andhopethatthesesuggestionsforChina'sconsumptioncreditisthefurtherdevelopmentofthemarketmusthavethehelpof.KEYWORDSconsumercredit；market；problem目录中文摘要.....................................................I英文摘要....................................................II引言.........................................................11消费信贷市场相关理论概述...................................11.1消费信贷的概念..................................................11.2消费信贷的形式..................................................22中国消费信贷市场发展现状....................................23中国消费信贷市场存在的问题.................................3....................................................................3....................................................................3....................................................................4....................................................................54对策........................................................6....................................................................6....................................................................6....................................................................7....................................................................7结论.........................................................8致谢........................................