Credit Card Consumer Rights And Interests Protection Law Research

In recent years,the credit card industry in China presents the gradual development good momentum, pay credit cards as a convenient tool for the rapid development in our country, made an important contribution for the economic development of our country. But compared with the traditional payment tools, the technical features of the credit card itself and issuers of speeding expansion also brings to the credit card consumers many safe hidden trouble and disputes. Due to the laws related to blank makes important parties legal relationship of credit card-credit card consumer rights is difficult to realize its should have, the credit card consumer rights have been infringed upon is the recourse for.The article starting from the present situation of credit card consumer rights and interests protection, analyzes the deficiencies in the credit card consumer rights and interests protection, on the base of draw lessons from foreign advanced experience, for improving the corresponding legislation to think, to protect credit card consumer rights and interests protection law to study and put forward the author’s humble opinion.The article is divided into five chapters:The first chapter for the introduction.Expounds the purpose and significance of this topic research, list some of the latest research at home and abroad, stated in this paper, research methods and innovation.The second chapter is the theoretical basis of credit card consumer.Introduces the definition of the credit card in the legal level, points out that the credit card consumers have the legal status of ordinary consumers, based on the analysis of credit card consumer rights and interests protection and the traditional consumer rights and interests protected areas based on the other, from two aspects:theoretical basis and practice basis are discussed and determined the necessity of the credit card consumer rights and interests protection, lay the foundations for the analysis below.The third chapter for the problem of credit card consumer rights and interests protection in our country. Pointed out that in credit card consumer rights and interests protection in our country at present there are some problems, including credit card consumers’ right to know, right to privacy, right of defense, and credit card report the loss of risk liability allocation issues. The author analyzed the current laws and regulations in the rules of related issues, analyze the defects of the current legislation.The fourth chapter for the credit card consumer rights and interests protected by the laws of the foreign experience. Abroad are discussed in terms of credit card consumer rights and interests the legal protection of the relevant legislation, and the associated part of the detail,in order to our country credit card consumer rights and interests the legal protection of research provide reference experience.The fifth chapter for the perfection of our country credit card consumer rights and interests protection Suggestions. On how to perfect our country credit card consumer rights and interests protection legislation put forward the author’s innovative ideas and suggestions, for our country credit card consumer rights and interests protection of the law to study and put forward the author’s humble opinion.