The Law System Of Economers Credit

At the beginning of founding new China, individual consumer basically depends on the credit of organization and government, so it is nearly existential for credit dealing. Up to 1980s, credit cards-the financial tools began to ride along China's coastal cities, which make individual credit assessment progressively stride forward to standardization. At present, individual credit crisis emerging in market-oriented economy also speeds up the effort of China building individual credit system. With the depth of the reform, the more serious crisis not only restrain the development of credit dealing, but also affect to carry out immediate dealing, China has begun setting up individual credit system. But the effort is more than beginning, up to now, we haven't even set up a more systemic consumer credit frame. Nowadays, limited attempts also remain various problems and relevant law and regulations haven't been formulated. Hence, to strengthen the research on law and regulations of consumer credit undoubtedly exists importantly realistic significance. The paper is made up by four parts which gradually and deep-going introduce consumer credit laws. The first part is about consumer credit laws'theoretical base, which introduces credit, the concept and features of consumer credit, and their relationship of consumer credit, business credit and banking credit. The second part is about investigating foreign consumer's credit protection, which mainly introduces American, British and Japanese consumer credit laws'content, and at last contrasts the three countries'credit laws. The third part is about the legislation's present conditions of China protecting consumer credit, which introduces the existing problems of consumer credit loan, the present conditions of protecting consumer's credit rights and the situations and existing problems of China setting up consumer's credit system. The fourth part is about the foundation of Chinese consumer's credit law, which introduces consumer credit laws'basic content including its basic principles, consumer's rights in consume credit relation and its specific regulations. This article mainly aims at protecting consumer and can solve problems in the process of credit dealing, which will open up extremely broad space for China's economic development.