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由于“非典”对经济的影响尚存在不可预见性,所以相比于外贸和投资,拉动2003年经济的、最有增长空间的是消费,当然消费吃的是今天,而信贷消费吃的是明天。信贷消费作为一种新的消费方式,在我国随着金融体制改革和居民消费观念的转变,很多人从持币待购到先有为快,越来越多的人愿意花未来的钱,享受信贷消费赋予的更多选择、更多便利、更多消费快感。中国人民银行日前公布一季度金融运行情况,一季度全国消费信贷猛增,百姓借银行965亿元,同比多增加510亿元,但其中多数为中长期消费贷款,而零售信贷消费更多地只表现在观念上。记者从日前在京召开的“拉动内需与改善信贷消费环境研讨会”上了解到:在国外,信贷消费一般都占银行业务的20%～30%,而我国连1%都达不到;另一方面,2002年我国人均 GDP 接近1000美元,正处于消费升级的关键时期,信贷消费已经成为启动消费闸门的有力杠杆;国外第二次消费革命积累期一般为7～10年,而我国积累期长达14年。专家说,其中一个重要的原因就是信贷不发达。
Since the economic impact of “SARS ” is still unpredictable, compared to foreign trade and investment, the most promising space for stimulating the 2003 economy is consumption. Of course, consumption apes today and consumption of credit aids It is tomorrow. As a new form of consumption, credit consumption in our country with the financial system reform and changes in the concept of consumer spending, many people from the currency to be purchased first, and more and more people are willing to spend the future money, enjoy Credit spending gives more choices, more convenience, more consumer pleasure. The People’s Bank of China recently released its first quarter financial performance. In the first quarter, consumer credit in the country soared. People borrowed 96.6 billion yuan from banks, an increase of 51.0 billion yuan more than in the same period of last year. However, most of them were medium-and-long-term consumer loans while retail credit consumption only increased more Performance in the concept. The reporter learned from the “Seminar on stimulating domestic demand and improving the environment for credit consumption” held recently in Beijing: In foreign countries, credit consumption generally accounts for 20% to 30% of banking operations, while 1% in our country can not reach it. On the other hand, in 2002, when the per capita GDP of our country is close to 1,000 U.S. dollars, it is at a critical period of the escalation in consumption. Credit consumption has become a powerful lever to start the consumer gate. The accumulation period of the second consumer revolution in foreign countries is generally 7 to 10 years, Period of up to 14 years. One of the important reasons that experts say is that credit is underdeveloped.