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消费信贷在我国的发展可谓一波三折,部分业务从蓬勃发展到收缩叫停,也不过短短几年的时间,究其原因,除了通常所说的信用制度的缺失、法律环境的脆弱、市场体系的不健全之外,决定消费者消费行为方式的最根本原因,以及上述几种表象的深刻内涵却是文化因素。本刊编辑部就“假的文化”所决定的我国目前消费信贷中的潜规则是怎样影响我国的消费信贷体系,以及如何克服这种文化因素对我国经济秩序的影响等问题,采访了何自云博士。
The development of consumer credit in our country can be described as twists and turns, part of the business from the vigorous development to shrinking halt, but only a few years time, the reason, in addition to the lack of credit system, the legal environment, the market system Unsound, the most fundamental reason for determining consumer behavior patterns of consumption, as well as the profound connotation of several appearances above are cultural factors. The editorial department of our magazine on the “fake culture” determines how the unspoken rules of consumer credit in our country affect our country’s consumer credit system and how to overcome the impact of this cultural factor on China’s economic order. He interviewed Dr. He Ziyun .