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1、文献出处：DemetriadesP.TheResearchofconsumerfinanceandeconomygrowth[J].TheEconomicJournal,2016,4(2):83-99.原文TheResearchofconsumerfinanceandeconomygrowthDemetriadesPAbstractConsumerfinancetoexpanddomesticdemand,promotingeconomicgrowthhasbecomeincreasinglyobvi
2、ousrole,itssounddevelopmentisconducivetogivefullplaytotheroleofconsumptiontotheeconomicdevelopment.Developmentofconsumercredittoprovidecontinuousandstableimpetusforeconomicgrowth.Asaresultoftheinvestmenttopromoteeconomicgrowthandnotbyisneveradjustresult
3、inginexcesscapacity,industrystructureimbalance,andmanyotherproblems.Andcangivefullplaytotheadvantagesofthemarketeconomy,consumerdemand,guidetherationalallocationofresources,sotheconsumptionisstableandcontinuouspowerofeconomicgrowth.Consumerfinancecompan
4、iesshouldaccordingtotheactualsituation,researchanddevelopmentofcompleteproductsystem,tostrengthentheconstructionofchannels,expandthescopeofbusiness.Keywords:consumerfinance,economicgrowth,consumercredit1IntroductionConsumerfinancereferstosomeinstitution
5、sofferingloanstohouseholdsorindividuals,specificallytomeettheconsumptionneedsofmodernfinancialservices-Consumerfinancebeginreallystartedfromthe1990s,after20yearsofdevelopment,forthepurposeofindividualandhouseholdconsumptionloanscaleexpandsrapidly,theloa
6、napplicationisincreasinglywide,consumerfinancehasbecometheindispensableimportantcomponentoffinancialmarkets.Consumerfinancedevelopmenttoacertainextent,meettheresidentsofthegrowingmaterialandculturalconsumptiondemand,isconducivetoexpandingdomesticdemand,
7、reducetheGDPofexcessivedependenceoninvestmentandexports,promotehealthyeconomicgrowth.1LiteraturereviewFisher,inhis1930bookpresentsconsumerstobuynowandafterspendingtimepreferenceselectiontheory,namelyconsumersaccordingtotherelevantconditionsandtoallocate
8、thetotallifetimeconsumption.Furtherdevelopment,thetheory,assumingthatconsumergoodstomeettheneedsoftheconsumers,andtheconsumercanuseforalongtime,greatchangeshavetakenplaceinitsconsumerpreferenceisthecase,consumerswillbemorewilling
