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2009年末,中国人民银行福州中心支行组织开展了福建省消费信贷情况的问卷调查。从调查结果看,福建省居民收入预期乐观,住房、汽车、个人创业贷款意愿依次分列前三位;居民消费行为相对理性,偿债能力总体适中;住房价格水平处于高位,与居民实际收入水平不相匹配,过高的购房成本抑制了居民其他消费需求的增长;居民信贷消费意识增强,家庭理财观念逐渐形成。文章还进一步分析了消费信贷存在的问题并提出对策建议。
In late 2009, the People’s Bank of China branch in Fuzhou organized a questionnaire survey on consumer credit in Fujian Province. From the survey results, Fujian residents expected optimistic revenue, housing, auto, personal entrepreneurial loan will be divided into the top three in turn; consumer behavior is relatively rational, solvency generally moderate; housing price level is high, and the actual income level of residents Not matching, high cost of housing inhibited the residents of other consumer demand growth; consumer awareness of consumer credit increased, the concept of family financial management gradually formed. The article further analyzes the existing problems of consumer credit and puts forward countermeasures and suggestions.