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1、文献出处：DemetriadesP.TheResearchofconsumerfinanceandeconomygrowth[J].TheEconomicJournal,2017,1(5):83-93.原文TheResearchofconsumerfinanceandeconomygrowthDemetriadesPAbstractConsumerfinancetoexpanddomesticdemand,promotingeconomicgrowthhasbecomeincreasinglyobviousrole.Itssoundd
2、evelopmentisconducivetogivefullplaytotheroleofconsumptiontotheeconomicdevelopment.Developmentofconsumercreditistoprovidecontinuousandstableimpetusforeconomicgrowth.Asaresultoftheinvestmenttopromoteeconomicgrowthandnotbyisneveradjustresultinginexcesscapacity,industrystru
3、ctureimbalance,andmanyotherproblems.Andcangivefullplaytotheadvantagesofthemarketeconomy,consumerdemand.Guidetherationalallocationofresources,sotheconsumptionisstableandcontinuouspowerofeconomicgrowth.Consumerfinancecompaniesshouldaccordingtotheactualsituation,researchan
4、ddevelopmentofcompleteproductsystem,tostrengthentheconstructionofchannels,expandthescopeofbusiness.Keywords:consumerfinance,economicgrowth,consumercredit1ItroductionConsumerfinancereferstosomeinstitutionsofferingloanstohouseholdsorindividuals,specificallytomeettheconsum
5、ptionneedsofmodernfinancialservices.Consumerfinancebeginreallystartedfromthe1990s,after20yearsofdevelopment,forthepurposeofindividualandhouseholdconsumptionloanscaleexpandsrapidly,theloanapplicationisincreasinglywide,consumerfinancehasbecometheindispensableimportantcomp
6、onentoffinancialmarkets.Consumerfinancedevelopmenttoacertainextent,meettheresidentsofthegrowingmaterialandculturalconsumptiondemand,isconducivetoexpandingdomesticdemand,reducetheGDPofexcessivedependenceoninvestmentandexports,promotehealthyeconomicgrowth.2Literaturerevie
7、wFisher,inhis1930bookpresentsconsumerstobuynowandafterspendingtimepreferenceselectiontheory,namelyconsumersaccordingtotherelevantconditionsandtoallocatethetotallifetimeconsumption.Furtherdevelopment,thetheory,assumingthatconsumergoodstomeettheneedsoftheconsumers,andthec
8、onsumercanuseforalongtime,greatchangeshavetakenplaceinitsconsumerpreferenceisthecase,consumerswillbemorewillin
