查询词典 consumer durables

On the basis of an analysis of the present profile of automobile consumer credit in China,a discussion is done on the meaning of its development. This thesis introduces the development of the market of automobile consumer credit overseas, and finds out the reasons why overseas automobile consumer credit leads to the successful development of automobile industry. It also analyses the causes of the slump in the market of automobile consumer credit in the country in aspects of influential elements such as economy,policies,society,consumption norms and so on. It has a deep discussion on some obvious problems in this field. For example,the market of automobile consumer credit is of no scale; the prices of automobiles are high; taxes are heavy and expenses are too much; average residents still have low income and no definite balance between income and predicted expenses; there is no perfect social credit system and individual credit system; there is not enough awareness of credit among the public. Taking theories in the area of industrial economics into consideration,it proposes basic measures of promoting the development of consumer credit in China: building up a credited society,a perfect and sound personal credit system.With credit database as the platform,all parties will be able to share information,improve the credit database,relevant regulations and laws as well as a risk warning system,thus operation and management of the operating entities will be improved,the cost of the practice of consumer credit will be reduced; strengthen the innovation of present financial system,develop financial products corresponding to different groups of customers,improve services,perfect the mode of "bank+insurance+automobile agents",make full use of the interne,adopt the practice of turning credit into securities.

本文在我国现阶段汽车消费信贷现状分析的基础上，对大力发展汽车消费信贷的意义进行了讨论；通过分析国外汽车消费信贷市场的发展概况，解析出国外汽车消费信贷促进汽车产业发展成功的原因；从影响汽车消费信贷市场发展的有关因素如经济环境、政策环境、社会环境和消费习惯等方面分析了我国汽车消费信贷市场现状低迷的症结所在；对中国汽车消费信贷市场的一些明显问题，如汽车消费市场尚未形成规模，汽车价格偏高，税费和使用费用负担沉重，相对较低的居民收入与预期收支不确定，社会信用体系尚未建立，个人信用制度缺失，公众信用意识淡薄等方面进行了深入探讨；立足于产业经济学理论，提出了构建信用社会，建立健全和完善个人信用体系，建立个人资信评估机构和登记制度，引入专业的资信中介机构，以信用数据库平台为基础，各方共享资源，组建客户信用数据平台，完善法规制度建设，建立健全汽车信贷消费的法律体系，建立风险预警机制，提高汽车消费信贷经营主体的经营管理水平，降低汽车信贷业务成本，加大金融制度创新的力度，开发适合不同消费群体的金融产品，提高服务质量，完善"银行+保险+汽车经销商"的汽车信贷模式，充分利用互联网、实行贷款证券化等促进我国汽车消费信贷发展的基本措施。

Essential requests: comprehending the basic concept and theories of consumer psychology, the general law of consumer's psychological activity and personal characters, perfectly and truly know the consumer's behavior which bases on psychology, understand such some important problems of market economy as consumer's psychology with advertisement, consumer's psychology with wares, consumer's psychology with prices, consumer's psychology with saving and investment, and for the more, definitize the psychological reasons of consumptive behavior, make proper management strategy and elevate the management level.

基本要求：了解消费心理学的概念、基本理论，消费者的心理活动和个性特征等一般规律，对在心理学基础上形成的消费行为学有较完整、准确的认识。理解当今市场经济中消费心理与广告、消费心理与商品、消费心理与价格、消费心理与储蓄和投资这些重要问题，从而明确消费行为的心理依据，制定恰当的经营策略，提高管理水平。

A that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumer's application for the credit or insurance, or other information bearing on the credit worthiness or insurability of the consumer; or

通过使用消费者报告信息，消费者申请信贷或保险的信息或者其他证明消费者信贷价值或可保险能力的信息，消费者继续符合要约中的选择消费者的特定标准；或

Then the optimal control systems for both durables and non-durables are built up. The paper analyzes the given systems in detail.

在此基础上分别就耐用消费品和非耐用消费品建立了优化控制系统并进行了分析。

If the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

一般规定。如果消费者就与其有关的档案中任一条款的完整性或准确性提出异议，且该异议被其直接向消费者报告机构提出，消费者报告机构应当免费重新调查并记录信息的当前状况，或在始于收到消费者争议通知后的30日内，根据(5)段从档案中删除则除。

In the theoretical model, the consumer expectation is presage latent variable, it affects the consumer\'s sensation quality evaluation, simultaneously is the weight of sensation quality satisfaction appraisal system; Housing price-income ratio sensation, consumer value and consumer sensation quality joint influences consumer satisfaction degree.

在满意理论模型中，消费者期望为前置潜在变量，影响着消费者感知质量评价，同时也是感知质量满意评价体系的权重；房价收入比感知、消费者价值与消费者感知质量共同影响消费者满意度。

As China's sustained economic development and improve people's living standards, personal demand rising, China's consumer credit market is growing, housing loans, auto loans, student loans, consumer durables loans, personal loans and other short-term rapid development of business .

随着我国经济持续的发展和人民生活水平的提高，个人需求的不断上涨，我国消费信贷市场也不断扩大，住房贷款、汽车贷款、助学贷款、耐用消费品贷款、个人短期借贷等业务得到迅速发展。

Demand in the fast-moving consumer goods sector of the market, which accounts for approximately two-thirds of the box market, continues to be markedly better than that for the industrial and consumer durables sectors.

在快速消费品的需求行业的市场，大约两个账户，在箱子市场的三分之二，仍然明显高于更好地为工业和耐用消费品行业。

Relatively fast-moving consumer goods, consumer durables issued a few months ago on a bad signal.

相对快速消费品，耐用消费品发出一个坏信号在几个月前。

Future changes in the structure of the overall consumer trends : consumer structure will undergo fundamental changes, from material consumption-oriented non-material consumption-oriented; Consumption will further reduce the proportion of survival information, enjoyment and development of information consumption increased; Changes in the structure of consumption and quality of life stage characteristics of high-grade consumer goods, such as housing, automobiles increased effective demand, consumer demand for services greatly enhance the awareness and quality requirements.

未来居民消费结构变化的总体趋势是：居民消费结构将发生根本性的变化，即从物质消费为主转变为非物质消费为主；生存资料消费比重将进一步降低，享受和发展资料消费比重上升；消费结构的变化越来越体现生活质量阶段的特征，各种高档消费品，如住房、汽车的有效需求上升，对服务消费的需求和质量要求意识大大提高等。

"Yes, now you can give yourself airs," she said, you have got what you wanted.

"对了，您现在高兴了，"她说道，这是您所期待的。

Then the LORD said to me: Rebel Israel is inwardly more just than traitorous Judah.

上主于是对我说：＂失节的以色列比失信的犹大，更显得正义。