Study On The Main Behavior Of Consumer Credit Of Urban Resident In China

A mortgage crisis, derived from the United States of America in the year2008, has been spreading out over the world, this resulted in that there is a turbulence in major global financial market. Recently, the debt crisis happened in Europe has intensified increasingly, which lead to the slowdown of global economy. When the recover of global economic foundation is very fragile, we can support our country economy develop sustainablely and healthily by the way of developing personal consumption credit.However, China’s consumer credit development is not just as one wishes,It’s no hard to find that development of consumption credit in our country exist lots of problems,such as the scale is small, breed is onefold and the consumer concept is old,and so on.In order to study the above problems deeply, this article is at the base of the consumer credit theory related, mainly on the following contents:First of all, to make a summary analysis about the current consumption credit situation of our urban residents, found that the consumption credit development in China exists the following figures, such as:the credit scale is larger than before、long-term consumption loans accounted for more than high、the credit breed is variety、the way of service is plenty、each area is lopsided wait for a characteristic of consumption credit development. At the same time, made a detailed analysis of supply and demand of the main changes in posture.Secondly, to study the supply and demand of urban residents’s consumption credit, on the basis of empirical study aboult the consumption demand of urban residents in Jiangxi Province, by using quantitative analysis method, from the consumer credit demand side and the supply side to, to proceed from the demand side and supply side of consumer credit, study analysis of the impact of China’s urban residents of developing consumer credit constraints, these factors mainly include the influence of demand, the traditional concept of consumption, income, expenditure expected of such constraints, as well as the influence of supply side, credit interest rate, the cost of credit, credit risk constraints.Thirdly,make empirical analysis on the supply and demand side of consumer credit intention and its influencing factors respectively, conclusions are obtained as follows:the income level of resident index, the overall national economic development indicators, the dweller consumes the tendency index have positive effect on credit demand of consumer; the deposit reserve ratio and non-performing loan ratio index have negative effect on credit supply intention of supply mainbody for consumer credit,the deposit index, housing loan interest rate index, bank deposit interest rate index have positive effect on credit supply intention of supply mainbody for consumer credit.Fourthly, according to their different influence factors, put forward to the corresponding proposal so as to improve the behavior of main body of consumption credit for urban residents, through the measures of changing the traditional concept of consumption of town dweller, raising town dweller of current income level, improving system of social security and other measures to strengthen the bearing capacity of consumer credit demand; by means of the training and the introduction of high-quality talent, improving service level of commercial bank, accelerating the construction of individual credit system, building more consumer mortgages and securing second grade market to improve providers’ ability of consumer credit.Finally, summarized the whole article and raised the prospect.