消费信贷风险防范法律问题研究.pdfVIP

中文摘要 随着我国消费信贷市场的进一步扩大，我国的消费信贷市场出现了诸多问题，其核心 问题在于风险防范。而我国关于消费信贷风险防范的法律制度还未完善，造成了消费信贷 市场的不稳定。目前我国针对消费信贷风险防范的各种具体法律制度都还未建立起来，其 中涉及到个人信用制度，金融机构风险控制制度，资产证券化等等一系列制度。通过分析 消费信贷风险产生的原因和我国消费现代市场的现状可以找出我国消费信贷存在的风险 和我国消费信贷风险防范法律制度的不足与缺失。英美日的消费信贷风险防范法律制度可 供借鉴，对他们的风险防范法律体系、具体的风险防范制度的优缺点进行对比、尤其是从 法律角度分析美国次贷危机的成因和法律对策，对建立和完善风险防范法律制度以及发展 我国消费信贷市场有重要的意义。 【关键词】消费信贷；风险防范；个人信用；金融监管；次贷危机 III Abstract With the development of China’s consumer credit market ， Chinas consumer credit market has many problems ；The core problem is risk prevention. In China， consumer credit risk prevention legal system is not yet perfect ， resulting in the consumer credit market instability. In this paper ， to improve consumer credit risk prevention system and concrete construction， with a view to the promotion of consumer credit risk prevention to improve the legal system. With the analysis of the causes consumer credit risk and Chinas modern consumer credit market， we can develop consumer credit risk prevention legal system . Compared with Britain and the United States and Japan to guard against the risks of consumer credit has done a review of the legal system and learn from their legal system to guard against the risk of specific risk prevention system to analyze the advantages and disadvantages. In particular， from a legal point of view of the U.S. subprime Mortgage crisis ， proposed the establishment and improvement of risk prevention is the development of the legal system the only way for the consumer credit market. Keywords: Consumer Credit ； Risk Prevention ； Personal Credit ； Financial Supervision ； Subprime Mortgage Crisis IV