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近年来,消费信贷在我国逐渐普及,其对促进消费以及拉动经济增长的作用日渐显著,但我国消费信贷占GDP的比重较低,与我国的消费总量并不匹配。本文根据中国综合社会调查数据,利用计量经济学模型对消费信贷在我国居民消费行为中的具体影响进行实证研究,证明消费信贷通过内需和社会信用结构对消费行为的影响效果显著。
In recent years, consumer credit has been gradually popularized in our country, and its role in promoting consumption and stimulating economic growth has become increasingly prominent. However, the proportion of China’s consumer credit in GDP is relatively low, which does not match the total consumption in China. Based on China’s comprehensive social survey data and the econometric model, this paper conducts an empirical research on the specific impact of consumer credit in China’s household consumption behavior, and proves that consumer credit has significant effect on consumer behavior through domestic demand and social credit structure.