我国个人消费信用制度构建的法律研究

个人消费信用制度作为社会经济的一项重要制度,已超出在传统上只把它作为道德问题看待的范围,它往往牵涉到复杂的经济、法律问题。文章从我国个人消费信贷存在的问题,信贷消费条件太苛刻,信贷消费机会不均等方面分析了我国个人消费信用制度的现状;介绍了以美国为代表的个人信用法律制度;并在借鉴国外成功经验的基础上对完善国家在消费信贷方面的立法,从个人信用征集法律制度,个人信用评估法律制度,个人信用信息管理和使用的法律制度,信用风险救济法律制度,建立完善的个人消费信用制度方面,对构建我国个人消费信用法律制度进行了思考。

The Legal Research on Personal Consumption Credit System Construction

Personal consumption credit system,as an important social-economic system,has exceeded the scope in which it is regarded only as a moral issue traditionally.It often involves complex economic and legal issues traditionally.This paper analyzes the present status of china's personal consumption credit system from the aspects of the existing problems in personal consumption credit,the too harsh consumer credit conditions,unequal opportunities for credit consumption.This paper also introduced the personal credit system in which the United States is as the representative.On the basis of the successful experiences of foreign countries,the paper puts forwand the improvement of china's consumption credit legistation from personal credit collection system,personal credit assessment system,personal credit information management and use systemand credit risk relief system.