structure of consumer demand

Any change in quantity and structure of consumer demand will result in corresponding changes in the structure and behavior of the distribution channel.

消费需求在数量上与结构上的每一次改变，都会拉动流通渠道结构与行为的相应变革；

As the consumer credit has a very important role on stimulating consumption demand, promoting stable economic growth and improving the assets structure of banks, Chinese financial institutions should develop consumption credit business vigorously.

由于消费信贷在刺激消费需求、促进经济稳定增长、改善银行的资产结构方面有十分重要的作用，我国金融机构应该大力发展消费信贷业务。

In view of the real practice of the business in consumer finance companies, the paper analyses the demand structure for clients' credit information, finding out the factors that affect the validity of initial credit extension through a pilot survey integrated with suggestions from experts.

以消费金融公司授信业务实际情况为出发点，分析了消费金融公司对授信客户的信用信息需求结构。并结合专家意见和试调研确立了影响初次授信有效性的影响因素。