Research On The Financial Consumer Protection System In My Country's Credit Card Business

With the continuous development of China's credit card industry in recent years,the payment instrument of credit card has been widely used in China and played an important role in promoting China's social and economic development.However,due to its own particularity,financial consumers often face numerous security risks in the credit card business,and various disputes arise.As a result,the legitimate rights and interests of financial consumers are difficult to be effectively protected.Therefore,this paper will combine the specific characteristics of the credit card business and the development situation,through the specific research on the protection of consumer rights in the credit card business and the problems in the protection system,and try to build a perfect credit card business.The financial consumer protection system is explored in order to provide relevant reference for relevant researchers.This paper is divided into five chapters to analyze the financial consumer protection system in the credit card business.The first chapter introduces the privacy rights,the right to know and so on of credit card financial consumers from three cases,and then analyzes the specific rights regulations and damage performance,and then proposes the protection of credit card financial consumers from the main body of credit card service.Secondly,from the perspectives of legislative issues,regulatory issues and judicial relief,this paper analyzes the problems of financial consumer protection in China's credit card business,such as insufficient legislation,inadequate supervision,and insufficient judicial relief.The third chapter analyzes the main characteristics of the extra-territorial credit card consumer protection system from the United States,the United Kingdom,and Japan and makes a comparison with China,which can provide some reference for the improvement of credit card consumer law in China.The fourth chapter first puts forward the enlightenment of the protection system of the foreign financial consumer protection system to China.Finally,it proposes the countermeasures to improve the financial consumer protection in China from the aspects of legislation,supervision,judicial relief,and strengthening financial consumer education.The theoretical and practical significance.