针对制约县域消费信贷发展的因素,笔者认为:发展县域消费信贷须内外配合,良性互动,发挥各方面的积极性,采取各种有效措施,多管齐下,努力营造一个有利于消费信贷发展的政策环境。 提高县域城乡居民的实际收入水平。国家在收入政策上要采取增加收入的措施,保证县域城乡居民收入有一个合理的增长幅度。一是要减缓职工下岗待业对收入的影响,通过大力发展第三产业,做好下岗职工的再就业工作,同时进一步提高最低收入标准,增强城市居民的消费水平。二是加大对农业的支持力度,大力调整农业种植结构,加快农村税费改革步伐,切实减轻农民负担,使农民收入水平有较大幅度的增长。 建立和完善个人消费信贷担保体系。一是借助信贷登记咨询系统的建立,尽快建立个人征信系统,做到信息共享,以解决信用放款难的问题。二是建立担保公司或担保基金,根据县域实际,由政府部门出资成立专门的担保公司为 In view of the factors restricting the development of consumer credit in the counties, the author believes that the development of consumer credit in the county should be coordinated with both inside and outside the country, play a positive role in all aspects and take all kinds of effective measures to make a multi-pronged approach to creating a policy conducive to the development of consumer credit surroundings. Improve the actual income level of urban and rural residents in the county. The state should take measures to increase income in its income policy so as to ensure that the income of urban and rural residents in the county area has a reasonable growth rate. First, it is necessary to slow down the impact of laid-off workers on their income. By vigorously developing the tertiary industry and doing a good job of reemployment of laid-off workers, the minimum income standard should be further raised to enhance the consumption level of urban residents. The second is to increase support for agriculture, vigorously readjust the structure of agricultural planting, speed up the pace of tax reform in rural areas, and earnestly reduce the burden on peasants so that peasants’ income levels will have a substantial increase. Establish and improve personal consumer credit guarantee system. First, with the establishment of credit registration and consultation system, as soon as possible to establish a personal credit information system, so that information sharing, to solve the problem of credit lending. Second, the establishment of guarantee companies or guarantee funds, according to the actual county, government departments funded the establishment of a special security company for