Development Of Yanbian Area Of ​​consumer Credit Constraints And Countermeasures

Through the reform and opening-up of more than 20 years, a lot of profound changes have taken place in the economic running environment of our country, one of them is that the fundamental transition has taken place in the market supply and demand pattern, the buyer's market has taken shape primarily, and the influence to economic development .of resident's consumption demand is increasing constantly.But seen from reality, too low consumption rate and too high deposits rate might lead to the fact that the economic growth of our country will be restrained by the deficiency of market demand within the next period. Meanwhile, the trend of economic globalization and integration of financial market are more remarkable, the banking will inevitably incorporate in more and more international competition.At present, as our state is still at the primary stage of economy transition, state-owned enterprises have management difficulties, which have made the bad credit assets of commercial bank remain high and the profit that the traditional loans and deposits business brings reduce. The banks need to look for a new effective point of economic growth urgently.Developing consumptive credit is a break-through point of changing such an unfavorable situation. On one hand, it changes the banks' operation of simply lending funds to enterprises and reduces the risks caused by industry factors; on the other hand, it can enable the banks to obtain more reliable capital sources.At the same time, international and domestic advanced experiences indicate that consumptive credit is an important measure for banks to enlarge their running scales, expand their operation, increase their income, and raise their market competitiveness. Therefore, vigorously developing consumptive credit has become a realistic and inevitable choice of the commercial banks inour state.However, the development of the consumptive credit of our state is far from effectiveness. Consumptive loan takes up extremely small proportion among the loan business of the commercial banks; compared with the western developed countries and domestic more developed area, the disparity is relatively great.This dissertation is based on relevant theories of consumptive credit, proceeds with the three factors of demander, supplier, social environment of consumptive credit, combines the real example survey materials of the consumption demand in Yanbian, uses the method of combining qualitative analysis with comparative analysis as well as quantitative analysis to study the restriction factor of consumptive credit development of Yanbian; and on this basis, explore the countermeasures of developing consumptive credit of Yanbian further.