The Research For The Problem Of Violating The Consumption-Credit Agreement

With the development of social economic in our country and the elevation of people's income, personal consumption has increasingly broken away from the traditional pattern, which the consumption is decided by personal present income and saving to the new consumption-credit pattern which consumption is decided not only by personal current income but also by personal future income. In recent years our government has laid down and implement the economic policies which are efforts to develop the consumption-credit businesses, enlarge the domestic demand and promote the development of national economic, which makes our country's consumption-credit businesses gain the extreme good development. The development of consumption-credit businesses benefits not only to promote people's living standard but also to the health development of national economic. But in recent years the phenomena of violating contract which have often emerged in the process of developing consumption-credit businesses have hindered its rapid development to a greater or lesser extent. Our questions are those mentioned as follows: What elements related to appearing and exiting of these phenomena of disobeying contracts, namely what is the reason of emerging of violating consumption-credit agreement? What is the root cause, which leads to the product of violating contracts from the economic angle? What relationships are there between these reasons and the elements such as politics, society, culture, law, psychology, and etc? Being aimed at these acts of disobeying agreements, how will the credit side deal with them? And what functions should the government bring into play as the main body of laying down and carrying out the policies? The reason and meaning of the essay to chose this subject is just to answer these questions. To answer these questions is the goal and focus of the thesis.When this essay attempts to discuss and answer these questions mentioned above, it mainly takes two main kinds of consumption-credit businesses-house consumption-credit and personal vehicle consumption-credit as the point of departure, then analyzes various acts of violating agreement and the reasons yielded in developing that two kinds of businesses. Meanwhile, this essay analyzes the economic basis of product of these acts ofviolating agreement with the help of the economic theory of maximizing consumer's effect and tries to find out the main economic root which supports produce of these acts of violating agreement On the basis of that mentioned above it attempts to put forward some measures to guard and deal with these acts of violating contract.In the process of concrete analysis, based on economic principles and established results of foreign and domestic scholars' researches, this paper employs methods such as mathematical analysis and logical deduction to support follow views:(1) The produce of acts of consumer violating contract mainly relates to elements as follows: economic circles; conversion of national macro economic policies; credit side's reasons; acts of firms breaking the law; changes of prices of consumer goods; the legal system in consumption-credit and credit side's internal control system are not perfect; there isn't personal credit system in our country. By using the economic theory of maximizing consumer's effect to analyze these acts of disobeying agreement, we can gain that consumer's final goal is to realize his effect maximizing.(2)Being directed against these concrete reasons of consumers violating contract, what we have to take measures should be mainly summarized three parts: First, there is vital important meaning to establish and perfect personal credit system for guarding and minimizing the risks of violating agreement. Secondly, credit side should perfect loan administration system, absorb and use pioneering experiences of foreign colleagues as reference, and strengthen the administration of personal loan, all of which will directly decrease the risks and losses of disobeying contract. Finally, government should give its own play...