The Legislative Study Of Credit Consumer Protection In China

In recent years, with the rapid development of market economy in China, credit consumption has more and more become a part of consumer's life, and been playing an important role. However, with the expansion and diversity of credit consumption, the infringements of the consumer's rights are emerging, such as the unauthentic credit consumption ads, the infringements of consumer's right of being in know and making the choice, the lack of regulation for the credit consumption contract, etc. These problems not only dampen the consumer's enthusiasm for credit consumption and disrupt the market, but also harm the development of credit consumption itself and the optimization distribution of the social resources. Therefore, trying to make an effective credit consumer protection law to offer legal protection for consumers is not only one of important subjects in legal field, but also an urgent need to the development of credit consumption in China.In view of the above-mentioned facts, this thesis expounds the value and approach of drawing up a law of credit consumer protection by the analysis of the credit consumer protection status in China and by making a summary of the successful experiences of the legislation in the USA in combination with the specific conditions in China. The thesis gives a definition to the relevant basic concepts by means of qualitative analysis and do research in successful experiences of the legislation in USA by way of synchronic and diachronic analysis. When to state and analyze how to make a credit consumer protection law in China, the writer adopts the deductive and logical methods.