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近年来,金融消费呈现快速发展的趋势,刷卡消费、房贷车贷、投资理财、保险等金融产品在刺激消费需求和拉动经济增长方面发挥了日益重要的作用。与此同时,此次国际金融危机以及欧债危机的发生对全球社会、经济、金融带来激烈震荡和重大破坏,也暴露出过度的金融消费将引发一系列严重的问题。在当前国内外经济形势动荡加剧的情况下,如何合理发展金融消费,刺激居民消费需求并促进经济增长,从而实现投资与需求的双向拉动,成为社会各阶层人士关注的焦点。
In recent years, financial consumption shows a trend of rapid development. Financial products like credit card spending, mortgage loans, investment and wealth management and insurance have played an increasingly important role in stimulating consumer demand and stimulating economic growth. At the same time, the international financial crisis and the occurrence of the European debt crisis have caused violent concussion and major damage to the global social, economic and financial sectors as well as exposing excessive financial consumption to a series of serious problems. Under the current situation of economic turmoil both at home and abroad, how to rationally develop financial consumption, stimulate consumer demand and promote economic growth so as to achieve a bidirectional pull between investment and demand have become the focus of attention of all walks of life.