Study On The Relationship Of Consumer Credit And Consumer Demand In Beijing

In the current international financial crisis, shortage of effective demand has become the focus in China's economic development process, pulling economic growth by expanding consumer demand in the industry have reached a consensus, only the consumer demand is real and lasting force for economic growth. With the development of consumer credit to expand consumer demand, is not only an important way in the short term to overcome the difficult economic situation, but also an important force for promoting economic growth in the long run.As an important economic center of China, Beijing's development and progress on other regional and national economic development has an important role in guiding and demonstration effect, so the study on the correlation between Beijing's consumer credit and consumer demand has important theoretical significance and practical significance. In this paper, first, analyze theoretical research on the correlation between consumer credit and consumer demand from the macro, micro, supply and demand 4 point of view respectively, and then analyze the conditions of Beijing consumer market and consumer credit, do the empirical research on the relationship between consumer credit and consumer demand based on Beijing 1998-2008 years of relevant data, and then from the consumer, financial institutions, external environment, risk point of view of four of Beijing in the development of consumer credit problems in the course of the last propose appropriate countermeasures, such as increasing the low income consumer groups, and gradually narrow the income gap; adjust the residents of the anticipated future revenues and expenses and enhance consumer confidence; financial institutions to transform their operational concepts, to enhance the development of consumer credit, the importance attached; to relax their lending conditions and simplified lending procedures; to speed up consumer credit market in rural development; the establishment of consumer credit risk prevention mechanism.