我国消费信贷发展前景分析——基于消费信贷结构发展的视角

摘要

本文在总结我国消费信贷发展现状的基础上,借鉴国外成熟市场发展经验,基于消费信贷结构发展视角,从消费信贷供给机构、期限结构以及地域分布三个方面分析我国消费信贷发展前景。在经历了初期的迅猛发展之后,我国消费信贷已进入一个较为稳定的快速增长期,未来市场发展空间大,消费信贷结构趋于成熟。%Based on the current situation of the national consumer credits in China,drawing lessons from the well-developed markets oversea,this article summarizes the prospective development of China＇s consumer credits according to the national credit structure,term structure and regional distribution.Having seen the initial rapid development,the consumer credit in China remains in a relatively stable period of rapid growth,not only filled with broad market space,but also packed with ever-increasing maturity in its structure.