The Research On The Consumer Credit Service Of Contemporary China

Because of international financial crisis, the global economy,especially the developed economies may get into a long-term stagnation, so it is difficult for China's external demands to be improved in a short-term. Then, the economic structure of China has been imblance for a long time, the overall savings rate is low and tend to continue decreasing, so in order to keep the rate of economic growth be high, expanding internal consumer demands should be the priority.In various strateges of expanding internal consumer demands, to develop consumer credit should be the longest and most effective mechanism, and also be the best way to increase demands in short-term. However, in the depth analysis of the development of consumer credit, some problems of China's consumer credit could be found out, such as the existence of scale is too small, lack of varitythe and consume concept is out of time.In order to make the problems above to be solved, the inverted U hypothesis of consumer credit was brought out by author based on the summary of some theoretical results and practical experience of internal consume credit. Further more, the recommendation about the direction of future development of China's consume credit are given based on the theoretical explanation of current condition of China's consume credit.This article is divided into four parts: the first part make the current difficulties that faced by China's economy as introduction to define the importance of developing China's consume credit. In the second part, the current condition of development of China's consume credit are analyzed and discussed. The third part bring out the inverted U hypothesis of consumer credit based on the former two parts, and based on this start, the theoretical recommendation would be given towards to the future development of China's consume credit. The fourth part is the deepening of the third part, the practical suggestions on the development of China's consume credit would be given that start from the relevant subject of consume credit.