The Legal Protection For Credit Consumers From The Perspective Of Consumer Credit Disputes

China's economic development mode has been transformed from export-oriented to domestic consumption gradually.As the long-term mechanism to boost the growth of consumption,consumer credit is of great significance to promote China's economic transition and economic growth.However,unchecked to expand the scale of credit consumption will not only result in the consumer risk of excessive debt,but also is unfavorable to the sustained and sound economic development of our country.Why should we set up the legislation idea to protect the consumer credit and how to protect credit consumers in the current environment is what we mainly discuss in this paper.In this paper,the discussion is based on consumer credit dispute between the two parties of the contracts.Through the analysis of the essence of the consumer credit contract,it is easy to find out that trading status is unequal substantially,and the characteristics of continuous contract is also important to identify the rights and obligations of the contracting parties.Based on all of these,the conclusion of enacting an special law to protect consumer credit is easy to made.We should realized that this is a systematical and complicated work,not only the special lawmaking is needed,but also the credit system,property rights system,social security system consumer bankruptcy law are essential to achieve the goal.