浅析我国消费信用的法制现状

消费信用是一种经济现象,是市场经济的必然产物,它是商品由物物交换、货币交换后再发展到信用交换的高级阶段.为维护这种信用交易的正常秩序,发挥它的经济作用,国家应当有一个相应的健全的法律体系以调整信用交易关系.但目前我国法律体系中,这种信用经济关系的立法是空白的,在规范消费信用交易的操作中,仅靠援引类似的部门规章来解决问题.针对这种现状,加速消费信用立法,建立科学完整的消费信用法制势在必行.

A Brief Study of the Status Quo of the Legal System on Consumption Credit in China

Consumption credit is a type of economic phenomenon, an inevitable outcome of market economy, and an advanced stage developed from barter trade and exchange of money to exchange of credit. A comprehensive legal system should be established to standardize the operations in credit transactions and legislation thereof. A most effective way to clarify confusions in establishing such a system is to quote from the rules and regulations of departments concerned. Therefore, it is highly necessary to speed up the legislation construction on consumption credit and to set up a scientific, comprehensive legal system of consumption credit.