A Study On Civil Law In Credit Card Transaction

With the further development of computer and communication technology, the popularization and deepening of financial electronization, today’s society is gradually moving towards the "cashless","no bill" digital information society. Credit card has become an indispensable modern economic society’s payment transaction.The credit card industry in China is a product of reform and opening up. Since1979, the credit card entered our country, it has developed for more than30years, and China’s credit card market has been developed rapidly. But because of the establishment of China’s credit card mechanism and legal system obviously lags behind, the use of credit cards, operation, management mechanism has not been fully established, interest conflict between the cardholder and the card issuers, merchants and other parties have become increasingly prominent.To clarify the legal relationship between the parties of credit card, definite the rights and obligations on both sides solve the typical credit card transaction disputes in practice, besides the preface and conclusion, this article is divided into the following three parts.The first part is the basic overview of credit card. The development history of credit card in our country is introduced. The formation and development of credit card industry, and the concept and the classification of business processes are described.The second part the legal relationship between the parties to a credit card is analyzed in detail with emphasis on the analysis of legal relationship between the issuer and the cardholder, the issuers and the merchants, the cardholders and the merchants.The third part is the representative of the in-depth analysis of typical problems of practice.