美国信用法律制度简介

美国是当今世界信用经济最发达的国家,也是信用法律法律相对最为发达的国家。美国的信用法律主要包括关于信贷与租赁的法律、关于信用报告的法律、关于平等授信的法律以及关于公平债务催收的法律等,这些法律对于促进美国信用经济的发展发挥着积极的作用。美国信用法律制度具有三个显著特征:以信用交易的充分发展为先导;具有深厚的文化基础;形式多样。在美国信用经济的形成、发展过程中,信用报告体系是极其重要的推动力。发展我国的信用经济,建立我国的社会信用体系,应当以建立信用报告体系为突破口。

Research on the Legal System of Consumer Credit in the US

The US is a country that has the most developed credit economy in today' s world and com-paratively the most overall credit l aw system as well.The US legal system of consumer credit consists of laws that regulate credit and leasing,credit reporting,fair credit opportu nity,fair debt collection,etc.,all of which play a positive role in promoting the development of US credit economy.The US legal system of consumer credit has the following characteristics:based on well -developed transactio ns of consumer credit;having profou nd culture background;possessing mul tiplicity in legal forms.During the formation and development of US cred it economy,credit reporting system has been extremely strong impetus.Thus,establishing the credit reportin g system is a crucial starting step for China to develop the credit economy a nd build up social credit system.