The Developement of Consumer's Credit in China

Now,the consumer credit in our country still stays at the first stage.It is not suitable to our country's macroeconomic regulation which aims at enlarging the demand at home and increasing national economy. The main cause of it is that we are weak in publicity,conservative in mind, people's expecting consumer psychology is serious, and is also effected by the consuming system as well as that consumer's credit system and management system haven't been perfect.To improve the condition, we should pay more attention to the consumer credit which is of universal significance to develope economy and improve the life standard of people.Some policy should be made to increase the individual income and to encourage the consumer's demand as well as to perfect the system of consumer's credit. It'd be better for the finicial institute to research the consumer group,to point at the purpose, to be engaged in the market. The bank and the enterprises should cooperate to enlarge the range of the capital usage and to get rid of investment risk.