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自1997年始,我国国民经济运行从短缺转向相对过剩,从卖方市场过渡到买方市场,消费需求不足成为经济持续发展的根本制约因素和焦点问题。为此,政府调整了经济发展战略方针:扩大内需、开拓市场、促进消费、拉动经济。消费信贷作为服务战略方针的重要政策和举措登上了历史舞台,消费需求和消费信贷问题成为亟待研究的课题。一、消费需求不足:现阶段我国经济运行的基本态势当前我国经济正处于自改革以来最为严重的低迷期,经过20多年的高速增长的量变积累,低
Since 1997, the national economy of our country has been shifted from shortage to relative surplus, from the seller’s market to the buyer’s market, and the lack of consumer demand has become the fundamental constraint and focal point for the sustained economic development. To this end, the government has adjusted its strategic policy of economic development by expanding domestic demand, opening up the market, promoting consumption and stimulating the economy. As an important strategy and measure of service strategy, consumer credit has boarded the stage of history. The issue of consumer demand and consumer credit has become an issue to be studied urgently. First, the lack of consumer demand: the basic situation of China’s economic operation at this stage China’s economy is currently in the doldrums since the reform of the most serious, after 20 years of rapid growth of quantitative accumulation, low