Economic Analysis Of Consumer Credit In Commercial Banks

When surveying the structure and status quo, especially more comparing the status and function of the individual consumptive credit of China' s commercial bank' s asset operation, we will clearly find out two kinds of gaps. Firstly, we nearly could not see any statistic data of individual consumptive credit in the financial institution' s statistic reports of credit operation before the year of 2000, although it was at most 5-year' s history of that kind of operation springing out in our commercial banks. Compared with the near a hundred of history in the western developed countries, there is still a huge distance in existence. Secondly, in the past five years, the increasing speed of individual consumptive credit operation in our commercial banks has reached 160% per year averagely. The short history and the swift and violent increasing speed have come into being a tremendous contrast.Permeating the idea of the high-speed development of our commercial banks' individual consumptive credit operation, it comes up our questions: Theoretically speaking, what is the causation of producing and developing consumptive credit, namely, what is the economic basis of that? Macroscopically speaking, what is the significance of the consumptive credit' s development for adjusting the consumption demand and enhancing the validity of macro economic policies? Microcosmically speaking, what are the status and function of consumptive credit operation in the management of commercial banks? It is the objective and emphases of this paper that the thoughts and explanations for the above questions.Enclosing the exploration of the way to existing and developing consumptive credit, this paper tries to find out the basic theory of consumption, consumption demand and credit agreement behaviors according to the venation of the theories' development and evolvement of classicaleconomics, new classical economics and fresh classical economics. Based on the above theory, through the micro angle of view of the two parties-supply & demand, the paper researches the intrinsic factor of consumptive credit' s birth and development. Then the environmental elements impacting the consumptive credit are also posted. Afterwards, combining the fact of China, this paper discusses the effect and significance of consumptive credit to optimizing the assets structure and reducing the working risk of our commercial banks, through the comparative analysis on the scales, products, performances and fundamental system constructions in the commercial banks between China and foreign countries. Finally, from both sides of theory and demonstration, the paper analyzes the macro economic domino offect of consumptive credit on conducting the monetary policy, promoting the stable increase of economy and improving the whole welfare of the society. It also puts forward some policy suggestions on accelerating to carry on the consumptive credit operation in our commercial banks.Keeping to the above way of thought, this paper includes 7 chapters, totally divides into 3 parts:Part one includes chapter one. The main content is that review and explore the basic theory of consumptive credit' s birth and development in order to provide a theoretical knowledge platform for delving its intrinsic factors. Based on the review and comment on the consumption function theory of western economics, this chapter points out the function theory' s research conclusions is on the assumption of the developed capitalism market economy in which the consumptive credit works as precondition. So it is short of theoretical guidance that considers the consumptive credit as a dependent variable for study. It should be distinguished when analyzing the actuality of consumptive credit in our country. Especially explaining, this chapter illuminates the commercialbank' s developing course from business loan in producing field to consumptive credit in consumption field, through reviewing the theories of bank loan. It also indicates the phenomena in the commercial banks that the rationing consumptive credit exists i...