On The Consumption Structure Of Consumer Credit And Upgrades

To accelerate the transformation of economical development mode, the most important aspect is to focus on the development of expanding domestic demand,especially on expanding consumption demand of inhabitants.The shortage of domestic demand, which constrains the development of our economy,has been a problem for a long time. As the reformation is advancing, the key point to solve the shortage of domestic demand should not be launched into a few hot consumption items and an increase in residents'consumption in short-term, but should be placed in the upgrading of consumption structure and enhancing the sustainable growth of consumption in ability.Additionally,the residents'consumption structure has played a leading role in the evolution of the industrial structure and promoting the upgrading of consumption structure is also the needs to accelerate the change of economic development means in essence.Consumption credit has played an important part in promoting the growth of effective demand of inhabitants,it is not only an important means of the national economical development and adjustment of economical structure, but also beneficial to improve the living standards and quality of life of the masses. The development levels and development conditions of our consumption credit have a certain degree explained the cause of the shortage in domestic demand that the growth rate of effective demand of our inhabitants lags behind the expanding rate of social production capacity.Besides,to accelerate the healthy development of consumption credit is the indispensable measure to effectively solve the problem of shortage in consumption.By means of researching the relevant basic theories, this context comprehe -nsively analysises the role that consumption credit can play in the consumptio-n structure upgrading. Subsequently,according to consumption structure condition-s and development conditions of consumption credits in our country,this paper in depth researchs into the means and conditions that consumption credit can play a part in consumption structure upgrading, finally,it puts forward the co-ncrete policy proposals and hopes to reap the benefits in theory as well as in practice.