Study On The Influencing Factors Of Personal Cosumption Credit Demand Of Urban Residents

The development of consumption credit is an important symbol of the healthy development of the financial market of our country, is the reform and opening up to the outside world to our economic stability and growth, gradually increase the income of the inevitable result. At the same time, but also to promote the national economy to further rapid development needs.However and international stands in stark contrast to that, despite the fast development of consumer credit in China, but the consumption trend of domestic residents did not appear to improve, this original intention and the development of consumer credit deviate from.This paper firstly expounds the related concepts of personal consumption credit business, content and classification and related theory, secondly, through overall analysis of China’s urban residents personal credit business needs to find influence consumers the main factors of consumer credit demand. Then, based on the selection of indicators, questionnaire design, field survey, and statistical data, with the help of SPSS software, the factors that affect the consumer credit demand of residents are studied.. The factors of the impact on the demand were extracted from the factor analysis, and then the effect of each factor on the demand was analyzed by Logit regression..This paper considers that there are obvious differences in the factors affecting the credit demand of urban residents.. First, the characteristics of the loan products, including the interest rate, the length of the period, the total amount of loans, etc., have a significant impact on the choice of residents. Secondly, residents of their own culture, to obtain information on the difficulty degree, the attitude of the understanding degree of loan business, the bank staff, loan officers degree of specialization, bank strength the credit needs of the residents of choice also has significant influence. Third, some personal characteristics of the residents also affect their choice, gender, age and marriage situation are the factors that affect the residents to make loan decisions. Finally, the income and expenditure of the residents will also affect people’s choice, the income of residents of choice is negative to the influence that residents are spending to residents of the final choice is positive effect, but the influence of the two was not obvious. According to these conclusions, put forward: to create a good financial environment, a sound personal credit system; to improve the customer relationship management system, promotion of market segmentation, changing the service concept, pay attention to the cultivation of professional talent, focus on product development and countermeasures and suggestions.The full text altogether divides into seven chapters.Chapter 1, introduction. This paper expounds the background, purpose and significance of the research, the domestic and foreign research trends, the research thinking and the innovation of the research..The second chapter, the relevant theoretical concept of the personal consumption demand. And the definition, classification, characteristic and function of personal credit are described..The third chapter is the personal credit business situation and existing problems of urban residents.. The status quo of the credit demand of urban residents in China and the existing problems are analyzed..The fourth chapter, the personal consumption credit business need to influence factor theory analysis. The factors that affect the loan demand of the residents in China are summarized and analyzed, and four representative theoretical factors are selected..The fifth chapter, the personal consumption credit of urban residents in the analysis of the factors of the factor. Through the questionnaire survey data, take Guiyang city as an example, the factors that affect the individual consumer loan demand of urban residents were analyzed..The sixth chapter, the city residents personal consumption credit influence factor empirical analysis. The survey data were analyzed and Logit regression analysis, and the importance of the factors and the degree of influence were analyzed..The seventh chapter, the personal consumption credit business development countermeasures of urban residents in China. In view of the empirical results, the paper proposes that the bank should take measures to carry out the consumer credit business in two aspects..