CAJ | 학술논문

发展消费信贷是扩大内需、构建消费需求长效机制的重要手段。基于四川省城乡居民的实地调研数据，运用probit计量模型和图表，从消费主体的观念、能力、层次和环境四个方面，分别对城乡居民消费信贷影响因素的差异化进行定性和定量分析，进而得出相关结论并提出具体的政策建议。
발전소비신대시확대내수、구건소비수구장효궤제적중요수단。기우사천성성향거민적실지조연수거，운용probit계량모형화도표，종소비주체적관념、능력、층차화배경사개방면，분별대성향거민소비신대영향인소적차이화진행정성화정량분석，진이득출상관결론병제출구체적정책건의。
Developing consumer credit is an important means to expand domestic demand and establish a longtern mechanism of consumer demand. The article mainly from the consumer＇s angle of view, based on the survey data of the urban and rural residents in Siehuan province, using the related chart and multivariate regression method such as Probit, respectively makes the qualitative and quantitative analysis on the difference of consumer credit between urban and rural residents from four aspects： idea, ability , level and environment, and then draws relevant conclnsions and puts forward the specific policy suggestion.