A Gradient Research On The Consumption Credit Development Of Chinese Urban Residents

In recent years, with the rapidly economic development, the commodity market in our country has entered the buyer market from the seller market, the urban citizen' insufficiently effective demand currently has become the prominent question in our country" macroscopic economy movement, the expansion of consumption demand must be already long-term basic standpoint of the economy development .Regarding this, the country has taken a series of measures, vigorously developing the consumption credit is the current extremely important measure. With the economic development, the renewal of the inhabitant' consumption idea and the improvement of credit law environment, the city inhabitant's consumption credit has already accomplished development to a certain extent, but the presently sole consumption credit condition has not been able to satisfy consumption demands of various kinds of the urban citizen, the consumption credit is presenting multi-level , multi-variety and apparently prominent exuberant demand. According to the present demand condition of the city inhabitant near for ten years, the city inhabitant have formed high, middling and low three great income communities along with the obvious disparity of the consumption ability, the consumption pattern , consumption level, thus , consumption credit also forms the consumption demand level ,that is the gradient of consumption credit development. How to promote consumption credit aiming at consumption gradient characteristic of the city inhabitant , to choice reasonable gradient standard of consumption credit, which has its important practical significance to improve finally consumption rate of the city inhabitant in our country and help the promotion of industrial structure and the consumption pattern, to further impel the development of existing credit market and the economical growth of the city inhabitant.The article is divided into five parts: First, foreword. Second, it is analyzed that the gradient situation of consumption credit development ofurban residents in our country. Third, explaining the forming mechanism of consumption credit gradient of urban residents in our country, the Fourth, it is analyzed that the inter-reaction between consumption credit gradient and economic development. The fifth, analyzing the measure of realizing reasonable development of consumption credit gradient of urban residents of our country.The main content and innovation of this test discussing lie in: putting forward a new concept of "consumption credit gradient", investigating consumption credit development in our country at present years from the objective economic reality that consumption life of the urban citizen exist gradient differences. Discovering the relevance of gradient situation of consumption credit development with resident consumption life. On the basis of it, carrying on the econometrically analysis, proposing the concept of "rational gradient" of consumption credit, discussing the inter-relation of "rational gradient" with economic development, It thinks that "rational gradient" is one of standards that evaluate economic development whether is healthful or harmonious , which also can be considered as one of economic dependences of macro control. Finally discussing the countermeasures that realize rational development of consumption credit gradient of the urban resident in our country , then setting up a modernized consumptive credit gradient system , which meets the national conditions of our country, improves consumption anticipation of raising every income colony , promotes consuming capacity , upgrades consumption structure and diversification of consumption level, accelerates the industrial structure adjustment and optimization, achieve the goal of expanding domestic demand > promoting economic growth finally.