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有效需求不足是我国当前的基本经济特点。消费作为拉动经济增长的一个关键环节 ,关系到能否激发国内市场的活力 ,同时也成为目前经济发展的中心问题。据经济学家测算 ,居民消费每增长 1% ,就可以带动 GDP增长 0 .5 %。因此 ,我国政府把“扩大国内需求 ,开拓国内市场”作为国民经济发展的基本立足点 ,把促进国内消费需求增长提升到一个战略高度。而扩大内需的一项重要措施就是发展信贷消费。信贷消费 ,这一被誉为“花明天的钱 ,圆今天的梦”的超前消费方式 ,对促进消费 ,扩大内需 ,推动生产发展 ,拉动经济增长是十分必要的 ,它必将对我国消费市场产生巨大的推动作用。
The insufficient effective demand is the current basic economic feature in our country. Consumption, as a key link driving economic growth, has a bearing on the vitality of the domestic market and also becomes a central issue in the current economic development. According to economists, every 1% increase in household consumption can drive GDP growth by 0.5%. Therefore, our government regards “expanding domestic demand and opening up the domestic market” as the basic foothold for the development of the national economy and accelerates the growth of domestic consumption demand to a strategic height. An important measure to expand domestic demand is to develop credit consumption. Credit consumption, which is hailed as the advanced consumption pattern of “spending tomorrow’s money and dreaming today”, is very necessary to promote consumption, expand domestic demand, promote production development and stimulate economic growth. It is bound to exert great influence on China’s consumer market Have a huge role in promoting.