【作者】 蓝小林；

【导师】 王选庆；

【作者基本信息】 广西大学 ， 区域经济学， 2007， 硕士

【摘要】 本文的研究主题是消费者信用制度模型经济计量分析，是从消费者信用与消费者信用制度的相互关系入手，研究消费者信用制度的运行机理及构建具备可实证的模型，应用广西历史数据进行经济计量检验分析，探讨消费者信用制度建设实践中面临相关问题，为我国及广西消费者信用制度的设计提供可能的理论依据与具体方案。当前国内经济发展处于消费需求不旺的现状，急需提升国内需求来拉动经济发展，为此，消费者信用(消费信贷)作为促进内需、拉动国内经济发展的重要举措，引起了各界的高度关注。但是在大力发展消费者信用的同时，未认识到消费者信用制度的构建与完善才是促进消费者信用的关键。如果离开了消费者信用制度的构建与完善及研究去谈消费者信用，就无法对消费者信用作深入的分析，导致在实践中的停滞。同时，尽管政府、学者及相关研究者一定程度上已经认识到了消费者信用制度构建与完善的重要性，但是现今的研究还仅仅停留在对消费者信用制度的基本法律、法规等结构上的研究，对消费者信用制度模型数量经济关系分析研究基本上属于空白，因此，本文在总结已有相关学术研究的基础上，以探讨消费者信用与消费者信用制度的关系为出发点，对消费者信用制度信用机制及制度机制数量经济模型分析，构建与完善为消费者信用制度。本文分为六章，具体研究内容如下：第一部分，导论。本章确立本论文研究主题，分析国内外研究动态，确定本论文的研究思路、研究内容和研究方法，并对本论文研究可能的创新之处做了说明。第二部分，消费者信用制度基本理论。本章在费者信用制度与消费者信用：概念辨析与界定基础上，对消费者信用制度与消费者信用之间的相互关系进行详细研究，同时探讨消费者信用制度的理论与实践内核。第三部分，消费者信用制度计量经济模型构建。本部分主要是对消费者信用制度模型其隐含的风险控制下的信用机制与制度模型机制进行综合理论阐述，构造消费者信用制度信用机制、制度机制模型。第四部分，数据的收集与整理。选取变量指标，收集与整理广西历年数据。第五部分消费者信用制度模型计量经济分析——广西样本点实证研究。主要在前面章节基础上，结合广西历年的经济数据进行经济计量检验分析，为构建我国的消费者信用制度模式提供一定的参考依据。第六部分，本章在综合消费者信用制度经济计量分析的基础上，就现有条件以及未来可预见性的相关问题上，提出相应的消费者信用制度建设的政策建议，促进消费信用对消费需求、经济增长合理有序的作用，推动我国及广西经济发展。更多还原

【Abstract】 The main research subject of a thesis is that consumer credit system economy measures analysis. Is to start with analysing consumer credit and consumer credit system interrelation, it studies operation mechanism of consumer credit system and builds the demonstration model. By the history data of Guangxi, applying the relevant problem formulating essential rules and regulation practice of consumer credit system that our country and guangxi are confronted with. At the same time ,it provides the possible theory and concrete scheme how consumer credit system is designed to our country.Currently, Economic growth is in insufficient situation of consumer demand in the homeland, badly playing moving economic growth by advancing domestic demand, so consumer credit pulls the important act for promoting domestic needs and economic growth ,it pays close attention to the general public. But developing consumer credit energetically, we have not known how to build consumer credit system is important to promote consumer credit really. If we do not build consumer credit system ,meanwhile and go to talk about consumer credit ,it has no way to study consumer credit right away and be at a standstill in practice. At the same time, though the government , scholar and relevance researcher have already arrived at the cognition on consumer credit system, at present the researches of system are only with perfect significance, such as fundamental law , law and regulation to consumer credit system. To study the modelofconsumer credit system ,it is in blank space .So summing up relevance academic research and takeing the relation of consumer credit and consumer credit system as starting point,the thesis discusses credit mechanism and the system mechanism of the sonsumer credit system,and builds economic and quantity model of the consumer credit system ,hope that it can provide suggestions how to build consumer credit system.The main research subject of a thesis is allotted for six chapters , as follows:Part1,introduction. It the main research subject of a thesis, studys dynamic analysis to home and abroad, and introduces research train of thought the content and research method, meanwhile has done explanation to possible innovation of the thesis.Part2, consumer credit system fundamental theory. Depending on discriminateing the conceptions of credit system and consumer credit,it studys the interrelation between consumer credit system and consumer credit detailedly . At the same time,it discusses theory and practice core of consumer credit system.Part3, bulid the economic model of the consumer credit system, expounds the theory of credit mechanism and system model mechanism containing implicit risk that it is controlled, and build credit mechanism , system mechanism model of consumer credit system.Part4 , collect arrange the data of guangxi. chooses the variable index , collects and arranges the Guangxi data over the years.Part5, the economy measure study of the consumer credit system basising on sample book of Guangxi. Basis on front chapters and sections , carrying out economy, measure analysis of the consumer credit system combining with the Guangxi economy data over the years.Part6, the policy and suggestion. Basis on the economy measure study of the consumer credit system and on the present condition and future foreseeable relevance problem, it brings the policy and suggestion how to build the consumer credit system,in order to promote consuming credit to effect the consumer demand and the economic growth ,drive economic growth of our country and Guangxi rationally.更多还原