The Improvement Of The Legal System Of The Rural Consumer Credit In China

Consumer credit is a kind of financial innovation products,the appearance of it is to adjust capital gain and the time difference between the consumer demand,fully integrated market resources of funds,financial institutions,for mediation,we transfer the funds market,but no money to have credit demand of consumer loans for financial institutions,in order to obtain the final goods and services.In recent years,with the rapid development of the rural economy,the income of farmers keeps increasing.Farmers are full of information about the expected income,and the expected consumption demand increases.With the gradual enhancement of financial awareness,the demand for rural consumer credit is on the rise,and higher requirements for consumer credit are put forward.From the perspective of international experience and domestic market development,the development of rural consumer credit plays an important role in improving farmers' consumption concept,adjusting rural consumption structure,seizing the opportunity of rural market,and developing rural real economy.In recent years,China's rural consumer credit development has made remarkable achievements,such as the healthy development of rural credit cooperatives,the rise of credit insurance,the rapid development of small loans.However,due to the late start and imperfect legal system,there are many problems and tests in China's rural consumer credit market.A perfect legal system of rural consumer credit is the cornerstone of rural consumer credit and an important guarantee for the healthy development of rural financial market.Therefore,it is necessary to further improve the legal system of rural consumer credit in China.This paper,by exploring the current situation of China's rural consumer credit legal system,analyzes its shortcomings in practice,and compares it with the more advanced international legal system,puts forward Suggestions for the construction and improvement of China's rural consumer credit legal system.This paper is divided into four parts.The first part mainly introduces the basic theory of rural consumer credit.This part elaborates the basic concept of rural consumer credit,the basis of economics and the remarkable characteristics of rural consumer credit market in China.The second part focuses on the present situation of rural consumer credit in China.This part describes the current situation of the legal system of rural consumer credit in China,and introduces the deficiencies of rural consumer credit in China from the aspects of personal credit investigation and credit guarantee.The third part of the purpose of learning for reference,the foreign rural consumer credit legal system of the investigation,from the summary of foreign advanced experience and institutions.This part mainly studies the personal credit investigation system and credit guarantee system of the United States,Japan and other countries,and summarizes the reference points.The fourth part on the basis of the above,in the present stage of our country basic national condition,from the basic concept of rural consumer credit legislation,build rural personal credit legal system,perfecting the system of rural credit guarantee,etc.,proposed the present stage our country into the rural consumer credit,perfecting the legal system of rural consumer credit advice,so as to promote healthy development of the rural consumer credit.