当前,国家相继出台了各种积极的财政政策和货币政策,以扩大内需、启动经济。此时,消费信贷作为一项相较而言见效快、成本低的措施,得到了大力的提倡和迅速的推广。不少经济学者认为消费信贷一方面在提高消费者购买力的同时扩大了内需;另一方面,又为银行提供了一项全新的业务,实现了国家、银行、消费者“三赢”的局面。观察实际中消费信贷的运行机制,结合经济学理论,令人不禁产生了一个疑问:消费信贷是否正引起一种幻觉? 消费信贷对扩大内需的促进作用被夸大 从消费者的角度来看,消费信贷,简言之,就是消费者向银行贷款,用以消费。凡 At present, the state has successively promulgated various positive fiscal and monetary policies to expand domestic demand and start the economy. At this point, as a relatively quick and low-cost measure, consumer credit has been vigorously promoted and rapidly popularized. Many economists think that consumer credit not only increases domestic demand while increasing consumers’ purchasing power, but also provides a new business for banks and realizes a “win-win-win” situation for the country, banks and consumers. Observing the operation mechanism of consumer credit in practice, combined with economic theory, can not help but produce a question: whether consumer credit is causing an illusion? Consumer credit to promote the role of domestic demand has been exaggerated From the consumer point of view, consumption Credit, in short, is the consumer’s loan to the bank for consumption. Where