信用卡消费者权益保护问题研究

发布时间：2018-05-15 21:22

本文选题：信用卡 + 消费者　；参考：《中国社会科学院研究生院》2015年硕士论文

【摘要】：随着社会经济的发展,信用卡逐渐成为了人们生活中经常使用的结算方式,特别是在一线城市,人们为了出行方面,多会选择使用信用卡进行消费。我国信用卡发展较为缓慢,从1979年至今才逐渐演变成为人们消费过程中的重要支付和结算手段。信用卡和现金结算相比较而言,信用卡除了其支付功能之外,还代表着持卡人的信用,其中包含了持卡人的重要信息。但是由于我国发卡行在信息保护层面没有进行严格的监控与管理,致使很多消费者的信息遭受到了泄漏,从而引起了消费者权益受到了侵犯。这只是信用卡消费者使用过程中引发的很小的问题之一,针对信用卡消费者使用过程中权益被侵犯的情况,本文着重对于我国信用卡消费中存在的问题进行了深入的分析,并提出了信用卡消费者权益保护的完善对策。文章第一部分,信用卡消费者概述。信用卡消费者概述主要梳理了信用卡的概念,并从建立良好的社会消费体系、幕布现行法律缺失以及提升消费者生活品质三个层面分析了加强信用卡消费者权益法律保护的必要性。第二部分,信用卡消费者权益保护的现状及存在的问题。这一部分是文章核心部分,对于信用卡使用过程中,存在侵权行为进行了深入的分析,并深入学习了国外相关信用卡消费体系的法律规定,和我国的相关法律规定进行了对比,从而得出了在我国可以借鉴的一些经验。第三部分,对我国消费者权益保护对策的完善。这一部分主要从立法、消费者权益保护体系、监督以及救济这四个方面,针对我国信用卡消费者使用过程中存在的问题,进行了法律以及制度层面的完善。
[Abstract]:With the development of social economy, credit card has gradually become the settlement method that people often use in their daily life, especially in first-tier cities, people will choose to use credit cards to spend more in order to travel. The development of credit card in China is relatively slow, and it has only gradually evolved into an important means of payment and settlement in the process of people's consumption since 1979. Compared with cash settlement, credit card represents the credit of the cardholder in addition to its payment function, which contains the important information of the cardholder. However, due to the lack of strict monitoring and management in the level of information protection, many consumers' information has been leaked, which has caused the infringement of consumers' rights and interests. This is only one of the minor problems caused by the use of credit card consumers. In view of the infringement of the rights and interests of credit card consumers during the use of credit cards, this paper focuses on the in-depth analysis of the problems existing in the consumption of credit cards in China. And proposed the credit card consumer rights and interests protection consummate countermeasure. The first part of the article is an overview of credit card consumers. The overview of credit card consumers mainly combed the concept of credit card, and from the establishment of a good social consumption system, This paper analyzes the necessity of strengthening the legal protection of credit card consumers' rights and interests from three aspects: the lack of current laws and the improvement of consumers' quality of life. The second part, the credit card consumer rights and interests protection status and existing problems. This part is the core part of the article, for the credit card use process, the existence of tort conduct in-depth analysis, and in-depth study of the relevant foreign credit card consumption system laws and regulations, and the relevant laws and regulations of our country were compared. Thus, some experiences that can be used for reference in our country are obtained. The third part, the consummation to our country consumer rights and interests protection countermeasure. This part mainly from the legislation, consumer rights and interests protection system, supervision and relief of the four aspects, aimed at the problems in the use of credit card consumers in China, the legal and institutional aspects of perfection.
【学位授予单位】：中国社会科学院研究生院
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923.8

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