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近年来,全国各大城市都出现了“分期付款”消费方式,倍受人们重视。据《新闻报》1993年10月14日报道,全国首家个人信用消费服务公司——上海银通信托资信有限公司成立,并推出为上海消费者提供分期付款,消费现金等业务。此种消费信用可使消费者个人提前享受到当时购买力达不到的商品和劳务,同时也给社会经济的发展提供相应的机会,本文拟就分期付款消费行为作初步的分析和探讨:
In recent years, major cities in the country have seen “instalment payment” methods of consumption that have received much attention. According to the “News” report on October 14, 1993, Shanghai Yintong Trustee Credit Co., Ltd., the nation’s first personal credit consumer service company, was established and launched to provide Shanghai consumers with installment payments and consumer cash services. This type of consumer credit allows consumers to enjoy in advance goods and services that cannot be purchased at that time, and at the same time provides opportunities for social and economic development. This paper intends to conduct preliminary analysis and discussion on installment payment consumer behavior: