建立和完善中国的消费信用市场

本文对照消费信用市场在西方发达资本主义国家的形成及其形式，消费信用市场在中国建立的经济基础进行了分析，并结合我国国情，就其运行机制建立了模型，同时，还对消费信用市场的建立对我国经济的影响进行了探讨。

Constructing and Completing the Consuming Market on Credit in China

Consuming on credit is a means to stimulate individual purchases. It is a way to consume in advance on the basis of the consumer's credit,and it is also an incentive for economic development. This paper analyses the economical basis in China on which the consuming market on credit is built,comparing its development and form with those in the developed countries of the West. A model of its operating mechanism is given,considering the conditions of China. The paper also discusses its influence over the whole economy of China. The author assumes that the consuming market on credit, although new, will gain root, develop and mature in China.