On The Perfection Of Consumer Credit In Consumer Protection

This paper is to explain the concept of consumer credit, consumer credit andauto financing example, discusses consumer credit in China in the absence ofprotection for consumers. Also focusing on the German " association contractsystem" for interpretation, in order to be able to learn a lesson from our country toimprove consumer credit consumer protection laws.This paper is divided into two chapters, mainly from the auto finance consumercredit judicial practice case starting on the consumer credit issues for consumerprotection point of contention for analysis and discussion, and thus leads to theproblem to be studied in this paper. This reason to auto finance consumer credit as astarting point to study in China’s consumer credit protection for consumers, becausethe auto finance consumer loans for now, is the one of the main consumer credit, andas China’s automobile industrial development, car ownership will further increase thedemand for automotive consumer credit also increased year by year. Auto financeconsumer credit consumer credit in our country has a certain degree ofrepresentativeness.The first chapter is the principle of privity of contract consumer credit contract.China’s current consumer credit for the understanding of the relationship between eachof the contracts, mainly to comply with the principle of privity of contract.According to this principle, the consumer credit are involved in the sales contract, thefinancial loan contract between two independent legal relationship. This chapter alsoincludes three parts. The first part is the concept of consumer credit. Starting from theconcept of consumer credit, consumer credit, discussed the features and contents.The second part is the main consumer credit legal relationship, that between theconsumer and the seller, the sales contract between the consumer and the financialinstitution loan contract. The third part is the principle of privity of contract betweenconsumer credit law and the principle of relativity from the contract, under theprinciple of privity of contract between consumer credit law, the principle of privity of contract in consumer credit flaws in three aspects discussed.Chapter breakthrough consumer credit contract privity of contract. This chapterfrom the rest of the world for the protection of consumers in consumer credit, therelevant provisions of departure, highlighting the German association contract system,and to learn the system, improve our consumer credit protection for the interests ofconsumers. This chapter consists of three parts. The first part is the Germanassociation contract system, generated from the associated contract system, theassociated constituent elements of the contract, association contract system onconsumer protection aspects of the three main aspects to discuss, learn more about theGerman system associated with the system, and its consumer credit in the consumerprotection aspects of superiority. The second part discusses the relevance of thecontract at this stage of the relevant provisions to clarify the German " AssociationAgreement" system to our consumer credit reference.