On The Protection Of The Rights And Interests Of The Cardholder In The Pre-authorization Of The Credit

In recent years,credit card pre-authorization trading mode has also gradually developed,credit card pre-authorization this new type of trading mode not only provides convenience for consumers,but also provides a guarantee for the smooth progress of transactions,and provides a driving force for the development of financial markets.However,due to the relative lag and neglect of the protection of the rights and interests of the cardholders in the current laws and regulations,the disputes arising from the infringement of the rights and interests of the cardholders with the special merchants have not been well resolved,which is not conducive to the protection of the rights and interests of the cardholders and the correct handling of the pre-authorization transaction disputes,nor to the healthy development of the financial industry,and then to the stability of the society and the smooth operation of the economy.Therefore,The protection of the rights and interests of credit card holders is discussed.The main contents of this paper are as follows:Part ?: Introduction.This part mainly expounds the background of the topic,the purpose and significance of the research,and the current research situation at home and abroad,so as to determine the theme of the protection of the rights and interests of card holders.The second part: the basic concept of the card holder's rights and interests protection in the credit card pre-authorization.By analyzing the characteristics of the cardholder's concept and the status in the credit card's pre-authorization,it is concluded that the cardholder should belong to the category of consumers,and the necessity of protecting the cardholder's rights and interests is clarified by analyzing the particularity of the cardholder's rights and interests in the credit card's pre-authorization.The third part: card pre-authorization of the card holder's rights and interests protection legislation combing.By combing the current legislative status,this paper clarifies the deficiency of the cardholder's rights and interests protection and the imperfection of the laws and regulations in the current credit card pre-authorization,and highlights the urgency of the cardholder's rights and interests protection.The fourth part makes a comprehensive analysis of the problems existing in the protection of the rights and interests of the cardholders in the pre-authorization of credit cards in China,makes clear the specific problems in the pre-authorization,and makes a concrete analysis of the specific problems in combination with the specific cases,and comprehensively discusses the personal information right,the right to know,the right to defend and the right to fair trade of the cardholders.The fifth part: perfect the way to protect the rights and interests of the cardholder in the credit card pre-authorization,perfect and solve the specific problems raised,andimplement the concrete measures to solve the problems.Improving the protection of the rights and interests of the cardholders in the credit card pre-authorization is conducive to standardizing the order of the financial market and promoting the development of the market economy.