作　　者： (汤耀平）; ; (聂莉）;

机构地区： 广东金融学院

出　　处： 《华南金融研究》 2000年第6期37-39,共3页

摘　　要： 信息不对称、二级市场不顺、“后续资源”短缺、供给不足等制约着我国中小城市消费信贷业务的发展,因此,建立个人信用评估制度、创新消费信贷业务品种、改善银行信贷服务、完善保险服务及优化消费信贷的外部环境等,是发展中小城市消费信贷业务的首要选择。 At present the most main factors that prevent the consumption credit from developing in medium and small cities are as follows:asymmetic and incomplete information,shortage of secondary markets, the contra-dition between the limited supply and unlimited demand, insufficiently of the follow - up resources, etc. To make further development of consumption credit in medium and small cites.it is necessary to build up a system of personal credit evaluation, to offer new types of consumption credit, to better bank credit servives.to perfect insurance servives and to optimize the outside environment of comsumption cerdit.etc.

关 键 词： 消费信贷 信息不对称 个人信用评估制度 中小城市 二级市场

领　　域： [经济管理—金融学]