A Study On Facilitating Risk-Preventing Legal System Of Credit Card In China

Not only credit card has created new rising point of profit to banks, but it also causes risk. The deep cause behind the risk is the defect of legal system. The defect of credit card system in China reflects mainly in the absences of personal credit system, personal bankrupt system, guarantee system of credit card and united consumption credit law. In order to change the status quo to promote the healthy development of credit card, we must establish a united consumption credit legal system gradually.There are 3 parts in this thesis:The first part: credit card and its risk. This part firstly introduces the beginning and development of credit card, and then this part proceeds to the function of credit card and the risk brought by its functions.The second part: the disadvantages of china's risk-preventing legal system of credit card. To begin with indicating the disadvantages of china's risk-preventing system of credit card, this part demonstrates the necessity and impendency of perfecting this system.The third part: some advice on perfecting china's risk-preventing legal system of credit card. To compare risk-preventing legal systems of America with that of England, and use the experiences of them, this part puts forward some advice on the china's risk-preventing legal system of credit card.