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所谓消费信用,是指对消费者所提供的信用,这类信用可以由银行提供,也可以由商业部门提供。消费信用存在的必要性在于商品流通中卖方或商业部门持有商品待售,而消费者方面却缺乏现款,于是在客观上便要求商品的让渡与商品价值的实现在时间上分离。此外,商品的让渡与商品价值实现的分离,也可以发生在二个企业之间,这种购买力在余缺双方企业的有偿让渡,则称为商业信用。我以为,在我国社会主义经济生活中,为
The so-called consumer credit refers to the credit provided to consumers. Such credit may be provided by banks or provided by the commercial sector. The necessity of existence of consumer credit lies in the fact that sellers or commercial units hold goods for sale in the circulation of commodities, but consumers lack cash, and objectively require the separation of goods from the realization of the value of goods in time. In addition, the separation of the transfer of goods from the realization of the value of goods may also take place between two companies. This purchasing power is transferred to the companies of both the remaining and the missing parties and is called commercial credit. I think that in our socialist economic life,