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2012年中央经济工作会议明确指出,要进一步扩大内需继续增强内需增长对经济增长的拉动作用,特别是要积极扩大居民消费需求,培育新的消费热点,可见居民消费信贷的快速发展对启动内需,促进经济可持续发展具有十分重要的意义。本文对天津滨海新区居民消费需求进行调查,着重分析物价上涨、购房、买车对城市居民支出的影响,通过调查了解天津滨海新区城市居民消费需求的变化情况。并针对辖区内各商业银行消费信贷业务的实际开展情况,研究如何改善金融服务水平,拉动经济平稳增长提供数据支撑和现实依据。
In 2012, the Central Economic Work Conference clearly pointed out that it is necessary to further expand domestic demand and continue to enhance the stimulating effect of the growth of domestic demand on economic growth. In particular, it is necessary to actively expand consumer demand and cultivate new consumer hot spots. This shows that the rapid development of consumer spending on consumer credit will have a great impact on boosting domestic demand, Promote sustainable economic development is of great significance. This paper investigates the residents’ consumption demand in Tianjin Binhai New Area, focusing on the analysis of the impact of rising prices, buying houses and buying cars on the urban residents’ expenditure, and investigates the changes of urban residents’ consumption demands in Tianjin Binhai New Area. In the light of the actual implementation of the consumer credit business of commercial banks in its jurisdiction, it has studied how to improve the level of financial services and stimulate stable economic growth to provide data support and realistic basis.