Research On The Development Of Personal Consume Credit In China

Based on the national policy of enlarging interior demand, the commercial banks continuously develops a series of personal consumption credit operations in recent years to meet the market demands.It is mainly made up of the personal housing credit,and also includes cars credit,decorating credit,study-helping credit,travel credit and integrated credit.Under the direction and promotion of the national policy ,the personal consumption credit will develop faster and faster.But after all,the personal consumption credit is a new comer in our economic system.Many problems still exists.Its development is hampered by many factors.After referring to the advanced experiences of foreign personal consumptionr credit development,this thesis gives a deep analysis on the factors that hamper the development of the personal comsume credit,for example,the people's consumption concept,the personal income,the credit varieties,the bank internal management,etc.The thesis tries to find the reason for it. In allusion to the above factors, the thesis raise some countermeasures to advance the development of the personal comsume credit.These countermeasures are based on the sales promotion,boosting financial creation,improving risk control system,building credit system and developing law system and social security system.