A Study On The Legal Problems Of Internet Consumer Credit

A simple combination of under the background of Internet consumer credit is not the traditional consumer credit and the Internet technology, whether it is on the legal subject or legal relationship content has its innovation. The flowers chant consumer loans "as an example, on the foundation of analysis of the traditional consumer credit basic concepts and legal relationship, on the Internet consumer credit for this innovation mode analysis, tentatively proposed the concept of Internet consumer credit. On the basis of this, the composition and main problems of Internet consumer credit are studied, and the solutions are put forward.The thesis is divided into four parts. Chapter one mainly discusses the basic concept of consumer credit and put forward the concept of Internet consumer credit. Specifically, by the basic elements of consumer credit and define the meaning of further clear consumer credit. At the same time, under the background of Internet banking, from the intersubjective relationship and the emergence of a new subject of legal relationship of impact angle explore Internet consumer credit. In addition, of "flowers chant consumer loans" were reviewed in this paper.Mainly analyzes the legal relationship between Internet consumer credit. The first part of the traditional consumer credit legal relationship and characteristics are discussed, and then analyzes the legal status of the new emergence of network trading platform providers and third-party payment platform. Finally, it discusses the influence of new legal relationship main body of Internet consumer credit legal relationship.Is mainly found Internet consumer credit in the process of the development of legal issues. This paper focuses on the market access mechanism is not perfect, deny consumers the right to defense, the personal credit system is not perfect and the collection of behavior is not standardized four typical aspects launches the elaboration.Mainly for legal issues it has been found that the proposed corresponding suggestions. Through the market access threshold, to break the monopoly improve market access mechanism; through the right of defense to safeguard the consumer’s legitimate rights and interests of; through the proposed a unified national credit system and improve the credit system; by consumers clear main rights and debt collection of legal obligation and collection of behavior.