UC知道关于消费信贷的摘要翻译 谁帮帮我啊！！
来源：百度知道 编辑：UC知道 时间：2024/05/15 18:23:07
哪位高人帮我一下啊
消费信贷也称信用消费，是由金融机构提供信贷，支持消费者进行消费的一种新的形式。消费信贷是金融创新的产物，它打破了传统的个人与银行单向融资的局限性，开创了个人与银行间相互融资的全新债权债务关系。消费信贷解决了现实购买力与消费需求不匹配的矛盾，成功的将社会远期购买力向即期购买力转化，有利于启动市场、扩大内需，推动国民经济的发展；同时也优化了商业银行的信贷资产结构，提高了商业银行的经营效益。但是我国消费信贷起步较晚、产品单一、发展不均衡，本文从我国消费信贷的这些现状出发，针对我国消费观念保守、法制环境不规范、个人征信及担保机制不完善等问题，对我国的消费信贷作了进一步探讨，最后从健全我国消费信贷环境制度、增强消费者需求和银行风险防范等角度提出了进一步发展我国消费信贷的对策分析。
The expense credit also called the credit expends, is provides the credit by the financial organ, supports the consumer to carry on the expense one new form. The expense credit is the financial innovation product, it has broken the tradition personally with the bank unidirectional financing limitation, founded personally the brand-new creditor's rights debt relations which finances mutually with the bank between. The expense credit resolved the contradiction which the realistic purchasing power and the expense demand did not match, the success transformed the social forward purchasing power to the immediate purchasing power, is advantageous in starts in the market, the expansion needs, impels the national economy the development; Simultaneously also optimized commercial bank's credit property structure, enhanced commercial bank's management benefit. But our country expends the credit start to be late, the product solely, the development is imbalanced, this article expend