Research On The Legal Regulation Of Credit Card

With the development of the market economy, the credit card as a personal financial tool, with its convenient, fast, safe, generic advantage at home step by step into the daily lives of common people. China’s mainland credit card industry started in the 70s at the end of the 20th century, the rapid development in recent years so that the development potential of China as the world largest credit card market, but the legal system of credit is far behind the rapid development of the credit card industry. With the widespread use of credit cards, the credit cards more and more legal disputes. As the credit card is not a sound legal system, guided.Disputes to the credit card number, credit card this is no doubt damaged the interests of the main parties, is not conducive to the stability of our financial markets and development. For this reason our country is in line with the urgent need to establish a credit environment in China with the world of the perfect credit card legal system. This paper attempts to basic questions from the credit cards start with a clear meaning and function of credit cards, credit cards sorted out the legal relationship between the main parties, and foreign legal systems on the credit card legislation and practical experience in advanced analysis of the provisions of our credit card legal inadequacies, Finally, some information about my credit card to improve the law's legislative proposals. Specific part from the start on the following:The first part is an overview of the credit card. Including credit card specific definition of the concept and function, a clear object of study in this article, several forms of credit cards and process credit card business, credit cards such as the development process.The second part is the legal relationship between the credit card transactions. First of all, clear of the main credit card transactions, respectively, after the cardholder and the card issuers to explore the legal relationship between; issuers and special legal relationship between the customer; cardholders and special legal relationship between clients. The third part is the risk of credit card business and control. Introduced the credit card business risks and legal regulations.The fourth part is to improve my credit card legislation proposals. Such as improving the legislative level, the development of special quote credit card quote; and to strengthen the consumer that is cardholder's credit card protection.