Study On The Legal System Of Credit Card Risk Management

Along with the economic and social development, especially with the emergence of the newly consumption community, credit card with the characteristics of convenience, fast be deeply subjected to consumer's fancy. Our country's credit card profession acquired a quick development in the near 10-year. However, problems appear as the same time as the development which need our valued, especially the bank to overflowly deliver credit card, the credit card holder malice overdraft and the credit card illegally set, these cases occured again and again for the last few years, It makes our country have to treat credit card risk seriously.Contrary with our country credit card market of quick development , the construction of legal system of credit card risk management is rather backward of our country. Therefore, the author of this thesis deeply research on the reasons of crisis of United States and Korea, and draw lessons from the two countries'credit card risk management legal system in order to respond to credit card crisis, summarize and introspect its experience and lessons, put forwards the suggestion of perfecting our country credit card risk legal system.The text of thesis is divided into five parts:The first part is the introduction of connotation, function and risk of credit card. Credit card is a payment tool of commercial bank or non- bank financial organization provides functions like consuming a letter loan to its customer, transfering balance of accounts and depositing and paying cash and so on. Consumer credit is the basic function of credit card. Risks of credit card mainly including credit risk, cheating risk, law risk ,inspection risk and economic period risk.The second part is the foundation theory of the credit card risk management legal system. This part introduced the content of the credit card risk management legal system and the extend firstly, and then, introduced the function and the main contents of the credit card risk management legal system.The third part is the substantial evidence analysis to the credit card risk management legal system of our country. This part introduced the process of development of our credit card risk management law system firstly . Secondly, analyzed the origin of our country credit card risk management legal system, mainly includes three types of origins: civil law, crime law, economic law. Finally, introduced the problems and reasons exist in the credit card risk management legal system of our country.The fourth part of the thesis is the investigation of foreign country of the credit card risk management legal system. This part based on the credit card crises of the United States and Korea , draws lessons from its experience , analyze two countries'credit card risk legal system, and deeply research on the contents in order to promote our country credit card risk management legal system to progress.The fifth part is the suggestion of perfecting our country credit card risk management legal system. This part discussed from five aspects: improving legislative level of credit risk management legal system , paying more attention to the connection of credit card risk management legal system and bank internal risk management system, perfecting the relevant system construction of credit card risk management legal system, promoting the supervision and prevention of bank internal credit card risk system.