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经过三十多年的高速经济增长,我国经济已经取得了巨大的进步,人民的生活也得到不同程度的提高,我国居民的消费率,还处于一个比较低的水平,推动居民消费的增长,对于我国经济转型有着重要的意义。国内学者主要是从消费信贷的角度分析信贷对居民消费的影响,消费信贷只是银行信贷中的一部分,它的作用比较机理比较单一。而引入银行信贷,能够更全面地分析信贷对消费的影响。
After 30 years of rapid economic growth, the economy of our country has made tremendous progress. The people’s life has also been improved to varying degrees. The consumption rate of the residents in our country is still at a relatively low level and the growth of household consumption is promoted. China’s economic restructuring is of great significance. Domestic scholars mainly analyze the impact of credit on resident consumption from the perspective of consumer credit. Consumer credit is only a part of bank credit, and its role is relatively simple. The introduction of bank credit enables a more comprehensive analysis of the impact of credit on consumption.