消费信贷在西方国家是司空见惯的事,而我们却往往以它举债花费、“寅吃卯粮”而不以为然。其实,消费信贷不仅有其经济上的内在必然性,而且还是启动市场、提高资源利用率,增加国民收入和调整产业结构,实现产业结构高级化的有力杠杆。消费信贷的内在根据与必要性消费信贷的具体形式一般表现为对大件耐用消费品搞分期付款。消费信贷总是与大件耐用消费品相关联,说明二者之间存在某种内在的必然联系。大件耐用消费品(住房、汽车、家用电器、高档家具等)有一个明显的特点:单位产品的造价相当高。一般家庭往往要积蓄 Consumer credit is a common occurrence in Western countries, and we often disagree with it for debt-service expenses. In fact, consumer credit not only has its inherent economic inevitability, but also is a powerful lever to start the market, increase resource utilization, increase national income, adjust industrial structure and achieve high-level industrial structure. The Internal Basis and Necessity of Consumer Credit The specific forms of consumer credit generally appear as installments of large consumer durables. Consumer credit is always associated with large consumer durables, indicating some inherent inevitable connection between the two. Large consumer durables (housing, automobiles, appliances, upscale furniture, etc.) have one obvious feature: the cost per unit of product is quite high. The average family tends to have savings