消费金融发展模式的国际比较及借鉴

:2010-11-9:,,,,,:,,,,,,1,N消费金融发展模式的国际比较及借鉴ComparisonofInternationalConsumerFinanceModelandtheEnlightenmentsforChina刘!丹!!LIU!Dan(!!100029)[!]中共中央第十二个五年规划建议明确提出,把扩大消费需求作为扩大内需的战略重点,进一步释放城乡居民消费潜力,逐步使中国国内市场总体规模位居世界前列当前如何采取合理的消费政策,突破居民消费结构升级的瓶颈尤为重要本文从研究消费金融的角度出发,阐述了消费金融与消费的关系,比较了美英日等国家消费金融的发展模式,分析我国加快消费金融发展的问题和制约因素,在此基础上,提出了促进我国消费金融发展的政策建议[]消费金融!国际!比较!借鉴[]F8302![]A![]1000-1549(2011)01-0027-06,,,;,;,,;,,,(),,:(2010),(2010),,(1999),(consumerbanking),(corporatefinance),,(2010),,,,,,,,2720111,,,,,,,,8:,,,2006Breadmarket2007MrLender,,∀#:,,∃∃∃,,,,,,(),,,,,:,,,,,,,,,,,,,,,,,,,,,,,,,,;,2820111,()1,,,,,,,,1998∀#,426200829500,1021032,,,,,3,,,,,,,4,,,,5,,,,,,,,:,,,()1,,:,,,,,,,,,,,2,,,,,,:,,2920111,∀#∀#%3,,,,,,,,,4,,,,,,,,5,FSA(FinancialServiceAuthority),,CFA&,;,()1,,(SARAKIN),,32%,,2/3,2007,,,12004-2009:200420052006200720082009221952320624160255532594124788704370707412804187868554(%)317304307315339345492351655344584157584878(%)222223221229222197102291097111404116711139711356(%)461473472457439458:,2010,(6).3020111%&,,;;()CFABCCACCTA22003-2008:2003200420052006200720081806519886211042128422169233131234137621421414197143611378368269267466764859157456124689708778089531318308326333352409:,2010,(6).2:(),,33%;,10%(3),30%35,,,,,,,,,,,4,,,:,:,,,,(),,,95%,,,;,;,,,;,1,,,,,,,,,,,3120111(KSC),CIC,(),CCB2,,,,,,,20106,901%,4%,04%,55%3,,,,,,,4,,,,,,,,,,,1,,,;,2,,,,,,5,,,3,,,,,,,4,,∀#∀#∀#,,,,,,,(43)3220111[9]Goldberg,LindaSandCdricTille2009,Thedynamicsofinternationaltradeinvoicing,EuropeanCentralBankBankofCanadaseminar,Frankfurt,Germany,June5.[10]Bacchettac,PhilippeandEricvanWincoop2005,ATheoryoftheCurrencyDenominationofInternationalTrade,JournalofInternationalEconomics,67(2),pp295-319.[11]Baron,DavidP1976,FluctuatingexchangeratesandthepricingofexportsEconomicInquiry14:425-438.[12]Giovannin,iAlberto1988,ExchangeRatesandTradedGoodsPrices,JournalofInternationalEconomics,24,pp45-68.[13]Friberg,RichardandFredrikWilander2008,TheCurrencyDenominationofExports∃∃∃AQuestionnaireStudy,JournalofInternationalEconomics,75,pp54-69.[14]SaeedSamieeandPatrikAnckar1998,CurrencyChoiceinIndustrialPricing:ACrossNationalEvaluation,JournalofMarketing,Vol62,No3.[15]Donnenfeld,ShabtaiandAlfredHaug2003,CurrencyInvoicinginInternationalTrade:anEmpiricalInvestigation,ReviewofInternationalEconomics,11(2),pp332-345.[16]Magee,StephenPandRameshKSRao1980,VehicleandNonvehicleCurrenciesinInternationalTradeTheAmericanEconomicReview70(2):368-373.[17]Corsett,iGPesent,iP2002SelfValidatingOptimumCurrencyAreasNationalBureauofEconomicResearchWorkingPaperNo8783.[18]Devereux,Michae,lEnge,lCharles,andStorgaard,Peter2004,EndogenousExchangeRatePassThroughwhenNominalPricesaresetinAdvance,JournalofInternationalEconomics,63(2),pp263-291.[19]Friberg,Richard1998,InwhichCurrencyShouldExportersSettheirPrices?JournalofInternationalEconomics,45(1),pp59-76.[20]Hiroyuk,iAkiraOtan,iandToyoichirouShirota2004,MonetaryandEconomicStudies,22(1):27-63.[21]Johnson,MartinandDanielPick1997,CurrencyQuandary:TheChoiceofInvoicingCurrencyunderExchangeRateUncertainty,ReviewofInternationalEconomics,5(1),pp118-128.(责任编辑:韩元)(32)5,;;;,,6,,,,,,,:[1](2009)[M]:,2010:1.[2][J]2010(19):20.[3][C],2010:(4).[4],[J],2010(6):47.[5],,2009(8):31.[6][J],1999(3):35.[7][J],2010,(22).[8][J],2010(4):82.[9][J],2010(5):40.(责任编辑:韩元)4320111