The Study Of Credit Contracts On Consumers

For credit contracts on consumers, there are two understandings from different scopes. With narrow sense, the credit contracts on consumers are agreements which are made between consumers and companies (including businessmen or banks and so on) by the payment on different schedules to buy goods or offer service. At presents the economical key is the credit economy which is the market economy based on the economy of legality, and a perfect legal system is the basis and guarantee for the development of economy, meanwhile the credit law become more important especially among consumers who live in commercial economy of daily activity. Nowadays commercial business is in touch with contracts very closely, and the credit contracts show the characteristic of civil law in traditional ideas and the unique feature on its own, and these features and content on rights and duties from all kinds of exact credit contracts on consumers have difference, which also lead to a greet difference for law rules and regulations between credit contracts and general contracts.The chapter one of the article expounds the basic theory of credit contracts on consumers. From the beginning of the meaning of consumers'credit, it illustrates the definition and the feature of credit contracts on consumers, and shows the history and development of credit contracts on consumers.The chapter two is the comparison and analysis from credit contracts on consumers. Firstly, it analyses the law relations of credit contracts on consumers. Secondly, it compares the regulations of credit contracts on consumers. Lastly, it analyses the law rules and regulations of the clauses of form contracts in the deal of consumers'credit. For consumers'credit, it mostly represents the payment on different schedules, namely, the form of consumers'credit, for the sake of the deal of the payment on different schedules, is divided by the credit supply for sellers. Therefore, this chapter mostly analyses the credit contracts on consumers from the deal of the payment on different schedules.The chapter three analyses the real problems which is brought from the application of the credit contracts in our country, and put forward the solutions to these problems. In the course of the analysis, several problems that are the incompleteness of investigation system for credit, the conflict between collecting credit and the right to privacy and so on and so forth are mentioned. On the basis of the content of chapter two, the study for these problems of being applied to our country is significant for real value.With the development of our market economy, the deal of the payment on different schedules is undeveloped. On the one hand, the deal increases the standard of consumers'lives. On the other hand, it promotes the development of market economy and the circulation of goods. The lack and delay of credit law at presents influence the development of economy seriously. The significance of legislation for establishing law of consumers'credit and improving the system of credit contracts are raised at the end of the article, which are profound in meaning for the protection for consumers and the development of market economy.