Credit Card Risk Prevention Of Law System

Once the debtor default the money they ought ot pay back, it is hard for the bank to recollect the money back because of the lack of the effective methods; the absence of the sound personal credit system, personal bankrupt system, credit card guarantee system and a unit consum cerdit law, all of which show the weakness of the credit card system in our country. We ought to pay attention to above-mentioned aspects, bulid a healthy consum credit law system to chang the status quo and keep the development of credit card system. According to the defect of credit card institution, this article can be devided into following four parts:Part One:"The transition and the risi of credit card". Firstyl, the appearance and the development of the credit card are introduced in this part, then base from the conception of credit card, this article will discuss the function of credit card and its risk, what’s more, this paper will show the characteristic, category and the harmfulness of credit card and the importance of prevent the credit card risk.Part Two:"The comparison of the law system about the credit card in various countries". For the sake of the reference for our country’s research on cerdit card law, This part will discuss the law instuition in American, British, German and Japan on general, and will compar the good and bad point in these systems.Part Three:"The weakness of credit card risk preventing system". From the perspective of legislaton and various lacknesses of law in our country, the paper will discuss on the policy of some professional works in our banks such as personal credit investigation system, guarantee system, and will point out some serious problems which include. On the basis of analysing the cause and the reason, the article will tell the emergency and the necesity of improving the law to prevent the credit card risks. Part Four:"Some advertisements on cerdit card law system". This part will talk about the advertisement on improving anti-creit card risk law system in our country.