【摘要】：隨著改革開放的不斷深化，市場經(jīng)濟由賣方市場向買方市場的過渡，消費信貸快速發(fā)展起來，為內(nèi)需的擴大，經(jīng)濟的增長作出了巨大貢獻。然而，法律制度的不完善，在一定程度上制約了我國消費信貸的發(fā)展。本文運用比較法、規(guī)范分析和實證研究相結(jié)合等方法，從完善我國消費信貸法律制度的角度出發(fā)，試圖提出有利于消費信貸發(fā)展的立法建議，以此促進消費信貸的穩(wěn)健發(fā)展。 本文分三部分： 第一部分分析消費信貸產(chǎn)生的社會根源和歷史演變，從總量和結(jié)構(gòu)上介紹消費信貸的發(fā)展現(xiàn)狀。通過對我國消費信貸立法現(xiàn)狀的綜述，指出我國消費信貸法律制度存在的問題。 第二部分介紹國外消費信貸的法律制度，從消費信貸法律體系、消費者權(quán)益保護機制、個人信用制度、風險防范機制四方面分析美國、英國、法國、澳大利亞等發(fā)達國家的先進立法，通過比較研究，，以期為我國消費信貸法律制度的完善提供借鑒。 第三部分是全文的重點，從加快制定《消費信貸法》、完善消費信貸中的消費者權(quán)益保護機制、完善消費信貸中的個人信用制度和完善消費信貸中的風險防范機制四個方面，提出構(gòu)建我國消費信貸法律制度體系的基本思路。
[Abstract]:With the deepening of reform and opening up, the transition of market economy from seller's market to buyer's market, consumer credit has developed rapidly, which has made great contributions to the expansion of domestic demand and economic growth. However, the imperfection of the legal system restricts the development of consumer credit in China to a certain extent. By using the methods of comparative method, normative analysis and empirical research, this paper tries to put forward some legislative suggestions conducive to the development of consumer credit from the point of view of perfecting the legal system of consumer credit in order to promote the steady development of consumer credit. This paper is divided into three parts: the first part analyzes the social root and historical evolution of consumer credit, and introduces the development status of consumer credit from the total amount and structure. This paper summarizes the present situation of consumer credit legislation in China, and points out the problems existing in the legal system of consumer credit in China. The second part introduces the legal system of foreign consumer credit, and analyzes the legal system of consumer credit, consumer rights and interests protection mechanism, personal credit system and risk prevention mechanism from four aspects: the United States, the United Kingdom and France. The advanced legislation of Australia and other developed countries, through comparative study, in order to provide reference for the improvement of the legal system of consumer credit in China. The third part is the focus of the full text, from four aspects: speeding up the formulation of the Consumer Credit Law, perfecting the consumer rights and interests protection mechanism in the consumer credit, perfecting the personal credit system in the consumer credit and perfecting the risk prevention mechanism in the consumer credit. This paper puts forward the basic ideas of constructing the legal system of consumer credit in China.
【學位授予單位】：暨南大學
【學位級別】：碩士
【學位授予年份】：2006
【分類號】：D922.282

【引證文獻】

相關期刊論文 前3條

1 夏少敏;陳真亮;;消費信用法研究的回顧、反思與展望[J];時代法學;2009年04期

2 張濤;;淺析美國次貸危機法律監(jiān)管問題[J];稅務與經(jīng)濟;2009年03期

3 黃璇;劉sョ

本文編號：2487297