论我国消费信贷法律制度之完善

发布时间：2018-06-16 03:17

本文选题：消费信贷 + 消费者权益　；参考：《山东大学》2013年硕士论文

【摘要】：消费信贷,是以刺激消费、扩大商品销售、加速商品周转为目的,以未来的收入为依据,以特定商品为对象,由放贷人向借款人提供的贷款,以支持借款人购买消费品或进行消费活动,其实质是放贷人向有一定支付能力的消费者调剂资金余缺的信贷行为和信用关系。消费信贷是市场经济的重要组成部分,是国家拉动国内需求的的重要方式,是商业银行等金融机构盈利的重要工具,是消费者改善生活条件的重要渠道。我国消费信贷的发展起步于上世纪50年代,稳步发展始于上世纪90年代。发展到现在,我国的消费信贷在初具规模的同时也产生了一些问题。英美法等发达国家的消费信贷发展的历史悠久,已形成完备的法律制度,值得借鉴。为了更好地促进我国消费信贷的发展,有必要制定专门的法律制度来做保障。本文以对我国消费信贷发展提出法律建议为目的,首先分析我国消费信贷的发展历程及存在的问题。指出消费信贷的定义、种类和在市场经济中的重要功能。然后,分析我国消费信贷的立法现状及存在的主要问题。分析目前我国消费信贷活动中使用的几部法律法规进而指出问题：调整消费信贷的法律法规位阶偏低、缺乏风险防范机制、缺乏对消费者权益的有效保护等。第三部分从适用范围、信息披露、借款人撤回权、放贷人保护等方面对域外发达国家消费信贷法律制度进行考察。最后提出对我国消费信贷发展的法律建议：构建和完善专门的消费信贷法律制度、明确消费信贷法的调整对象、确定消费信贷立法的原则、完善消费信贷个人信用制度、建立完善的消费信贷信用公示制度、完善消费信贷担保制度、完善消费信贷违法惩罚制度。随着社会经济的不断发展,消费信贷对市场经济各方面作用越来越大。消费信贷在提升居民生活水平的同时有助于改善消费习惯。在为金融机构创造盈利的同时有助于提高资金的使用效用。在扩大内需的同时有助于政府调整产业结构。基于消费信贷的重要作用,有必要建立专门的消费信贷法律制度,使消费信贷健康发展,更好的发挥在市场经济中的作用。
[Abstract]:Consumer credit is a loan provided by a lender to a borrower for the purpose of stimulating consumption, expanding the sale of goods, speeding up the turnover of goods, taking future income as the basis, and targeting specific commodities. In order to support borrowers to buy consumer goods or carry on consumption activities, the essence of which is that the lender adjusts the credit behavior and credit relationship to consumers with certain ability to pay. Consumer credit is an important part of the market economy, an important way for the country to stimulate domestic demand, an important tool for commercial banks and other financial institutions to make profits, and an important channel for consumers to improve their living conditions. The development of consumer credit in our country started in 1950's, and steadily developed in 90's of last century. To the present, the consumer credit in our country has taken shape at the same time also produced some problems. The development of consumer credit in developed countries such as Anglo-American law has a long history and has formed a complete legal system, which is worthy of reference. In order to promote the development of consumer credit in China, it is necessary to establish a special legal system to ensure it. The purpose of this paper is to put forward legal suggestions on the development of consumer credit in China. Firstly, this paper analyzes the development process and existing problems of consumer credit in China. The definition, type and important function of consumer credit in market economy are pointed out. Then, it analyzes the current situation and main problems of consumer credit legislation in China. This paper analyzes several laws and regulations used in consumer credit activities in China and points out the following problems: the low rank of laws and regulations regulating consumer credit the lack of risk prevention mechanism and the lack of effective protection of consumers' rights and interests. The third part examines the legal system of consumer credit in foreign developed countries from the aspects of scope of application, information disclosure, borrower's right to withdraw, protection of lenders and so on. Finally, the author puts forward some legal suggestions for the development of consumer credit in China: to construct and perfect the special legal system of consumer credit, to define the object of adjustment of the law, to determine the principle of consumer credit legislation, and to perfect the individual credit system of consumer credit. Establish perfect consumer credit publicity system, consummate consumer credit guarantee system, consummate consumption credit illegal punishment system. With the development of social economy, consumer credit plays a more and more important role in all aspects of market economy. Consumer credit helps to improve consumer habits while improving residents' living standards. While generating profits for financial institutions, it helps to improve the utility of the use of funds. While expanding domestic demand, it helps the government adjust its industrial structure. Based on the important role of consumer credit, it is necessary to establish a special legal system of consumer credit so that consumer credit can develop healthily and play a better role in the market economy.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.28

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