本文分析了消费信贷需求的影响因素。收入是影响消费信贷需求的首要因素。在确定性情况下,消费信贷需求主要取决于当期收入与持久收入之间的关系。如果考虑到收入的不确定性,则对未来收入的预期以及收入的波动性都会对消费信贷需求产生影响。在对不同消费者的信贷需求加总时,收入分配是决定总体消费信贷需求的重要因素。其次,消费者的负债倾向决定了其对于消费信贷的使用。最后,消费者对于耐用消费品的需求、购买方式以及耐用消费品的价格等都会对消费信贷需求产生影响。 This article analyzes the influencing factors of consumer credit demand. Income is the primary factor affecting consumer credit demand. In certainty, the demand for consumer credit largely depends on the relationship between current income and long-term income. If you take into account the uncertainty of income, both the expected future income and the volatility of income will have an impact on consumer credit demand. Income distribution is an important factor in determining the overall demand for consumer credit when adding credit needs to different consumers. Second, the liability of consumers determines their use of consumer credit. Finally, consumer demand for consumer durables, how they are purchased and prices of consumer durables affect the demand for consumer credit.