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ID:36414772
大小:6.85 MB
页数:169页
时间:2019-05-10
《中国消费信贷研究》由会员上传分享,免费在线阅读,更多相关内容在学术论文-天天文库。
1、复旦大学博士学位论文中国消费信贷研究姓名:陈晓静申请学位级别:博士专业:金融学指导教师:甘当善20040417AbstractOnthebasisofconsumptioncredittheory,togetherwiththepracticeinChina,weanalyzetheeconomicandfinancialfunctionofconsumptioncredit.Basedonthedetailedanalysisofcurrentsituationofconsumptioncreditpr
2、acticeinChina,itspotentialriskandthestrategiesagainstcreditrisk,wecurryoutacomprehensivestudyonconsumptioncreditinChinaandofferacompletesetofsuggestions,thusfurtheringthescopeandwidthoftheresearchinthisfiel也Fromthispoint,thisdissertationisoftheoreticalval
3、ueandpracticalimportance.ThiSdissertationfallSintosevenchapters.ChapterOnegivesabriefintroductiontothecurrentsituationofconsumptioncreditstudiesbothathomeandabroad,theauthor’Sintention,theoutlineofthedissertationandsomeimportantviews.ChapterTworeviewsthec
4、onsumptionchoicetheory,creditriskmanagementtheoryofcommercialbanks,asymmetricinformationandbankcredittheory,whichlaysatheoreticalfoundationforthefollowingchapters.ChapterThreediscussestheeconomicandfinancialfunctionofconsumptioncreditfromtheaspectsofconsu
5、mer。financialinstitutionsandeconomicdevelopment.Withthestatisticaldataof1990—2001ofChina,weconstructtworegressionmodeIstoanalyzetheroleofconsumptiononeconomicdevelopment,pointingtothenecessitiesofcurryingoutconsumptioncreditpracticeinChinafromtheoreticalp
6、erspective.InChapterFour,utilizingtheeconomicquantummodels,westudytheconsumptionstructureevolutionofUrbanandruralresidentsinChinaandFindthattheirmarginalconsumptiontendencyisdeclining,thusreachingaconclusionthatthespacefordomesticconsumptiondemandisstilll
7、arge.Onthebasisofalotauthoritativefigures,wedescribethecurrentdevelopmentandYestraintsinourconsumptionpractice,showingitsmeritsanddemerits.Usingasimpleconsumptionmodel,wepointoutthattheinterestrateuncertaintyinourhousingmortgagemarketrestrainsthewi1ingofc
8、onsumerstoacertainextent.ChapterFivefocusesonconsumptioncreditriskanalysisinourmarket.Byapplyingtransactioncosttheory,gametheory,asymmetricinformationtheoryandVARtheory,wesurveytheconsumptioncreditriskandsomeclassic
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