消费、投资、出口是拉动经济增长的“三驾马车”。当前我国经济正走出紧缩的阴霾,各项经济指标趋于正增长,在我们为积极的财政政策和稳健的货币政策所创造的业绩叫好时。也不得不注意到我国经济增长中的结构失衡问题。突出表现为——投资与消费的比例及增速不协调,投资快速增长,而消费却显滞后,经济增长的投资拉动型特点十分明显。要实现经济持续、快速、健康、协调地发展,促进消费与投资的均衡发展是必不可少的。实现这一目标,充分发挥消费信贷作用,提升消费水平及消费总量是一个较为理想的挖掘市场消费潜力的途径。 Consumption, investment and exports are the “troika” that drives economic growth. At a time when China’s economy is now out of the gloom of austerity, various economic indicators have tended to grow positively as we applauded the achievements made by our proactive fiscal policy and prudent monetary policy. I also have to pay attention to the structural imbalance in our economic growth. Outstanding performance - the proportion of investment and consumption and growth are not coordinated, rapid investment growth, but consumption is lagging behind, the economic growth-driven investment characteristics are obvious. To achieve a sustained, rapid, healthy and coordinated development of the economy, it is imperative to promote the balanced development of consumption and investment. Achieving this goal, giving full play to the role of consumer credit, and boosting the level of consumption and the total consumption is an ideal way to tap the potential of market consumption.