中国消费信贷研究

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1、复旦大学博士学位论文中国消费信贷研究姓名：陈晓静申请学位级别：博士专业：金融学指导教师：甘当善20040417AbstractOnthebasisofconsumptioncredittheory，togetherwiththepracticeinChina，weanalyzetheeconomicandfinancialfunctionofconsumptioncredit．Basedonthedetailedanalysisofcurrentsituationofconsumptioncreditpr

2、acticeinChina，itspotentialriskandthestrategiesagainstcreditrisk，wecurryoutacomprehensivestudyonconsumptioncreditinChinaandofferacompletesetofsuggestions，thusfurtheringthescopeandwidthoftheresearchinthisfiel也Fromthispoint，thisdissertationisoftheoreticalval

3、ueandpracticalimportance．ThiSdissertationfallSintosevenchapters．ChapterOnegivesabriefintroductiontothecurrentsituationofconsumptioncreditstudiesbothathomeandabroad，theauthor’Sintention，theoutlineofthedissertationandsomeimportantviews．ChapterTworeviewsthec

4、onsumptionchoicetheory，creditriskmanagementtheoryofcommercialbanks，asymmetricinformationandbankcredittheory，whichlaysatheoreticalfoundationforthefollowingchapters．ChapterThreediscussestheeconomicandfinancialfunctionofconsumptioncreditfromtheaspectsofconsu

5、mer。financialinstitutionsandeconomicdevelopment．Withthestatisticaldataof1990—2001ofChina，weconstructtworegressionmodeIstoanalyzetheroleofconsumptiononeconomicdevelopment，pointingtothenecessitiesofcurryingoutconsumptioncreditpracticeinChinafromtheoreticalp

6、erspective．InChapterFour，utilizingtheeconomicquantummodels，westudytheconsumptionstructureevolutionofUrbanandruralresidentsinChinaandFindthattheirmarginalconsumptiontendencyisdeclining，thusreachingaconclusionthatthespacefordomesticconsumptiondemandisstilll

7、arge．Onthebasisofalotauthoritativefigures，wedescribethecurrentdevelopmentandYestraintsinourconsumptionpractice，showingitsmeritsanddemerits．Usingasimpleconsumptionmodel，wepointoutthattheinterestrateuncertaintyinourhousingmortgagemarketrestrainsthewi1ingofc

8、onsumerstoacertainextent．ChapterFivefocusesonconsumptioncreditriskanalysisinourmarket．Byapplyingtransactioncosttheory，gametheory，asymmetricinformationtheoryandVARtheory，wesurveytheconsumptioncreditriskandsomeclassic