Study On Legal Problems Of Consumer Finance Company

Consumer Finance Company,as one of the consumer credit system, is no bankinginstituion,for depositing and lending to demestic people only for consumer,it has it，sown feature.For a long time,our country，s economic growth depends on investmentand export,but,when facing the europe international economic crisis, our country，sexport reduce rapidly,so we must chang the mode of economic growth and expanddomestic demand. The formulating of Consumer Finance Company is benefitial tostimulating consumer credit and forming the idea of consumer credit,in order toexpand domestic demand and further more to build an well-organized and stableconsumer credit market.The United States and Japan are the most developed countries in the field ofconsumer credit.By analyzing the two country，s history and law system of consumercredit,according to China，s situation of economy and law system,in my opinion，China isn，t suitable for making laws of consumer credit act now but making laws toprotect consumer，s rights and interests.We also should strengthen risk control toguarantee Consumer finance company healthy development.Our country has short consumer credit history and impact law system, lean fromThe United States and Japan, protecting consumer，s rights and interests is one of themost important idea of the world.So our country must speed up the formulatiing of law to protect consumer，s rights and interests. Consumer finance company is one ofthe consumer credit system.However, it does not require mortgage and guarantee.So itbears more risk then common consumer credit institution and we should strengthenrisk management.This article include four chapters.The introduction is about this article，sbackgroud and researches on this field.Chapter one analyze the theoretical basis and our country，s reality of ConsumerFinance Company and point out that building Consumer Finance Company is world，strend.Chapter two analyze four Consumer Finance Company，s development and ourlegal obstacles.Chapter three is about The United States and Japan，s history and law system ofconsumer credit and according to our country，s reality,I think China should makelaws to protect consumer，s rights and interests and strengthen risk management.Chapter four point out we should strengthen the protection of the interests ofconsumers and the risk control of Consumer Finance Company,including five aspectsin interests protection and two aspects in risk control and affiliated facilities.