我国个人消费信贷法律制度研究.pdf

摘 要 我国的个人消费信贷市场自90 年代起步到现在，有了一个显著的发展。由 于个人消费信贷关系到国计民生，因此控制好风险是稳定我国经济秩序，促进消 费的基础和保障。目前我国有关个人消费信贷及其风险管理的研究尚处于摸索之 中，因此，从理论上探讨个人消费信贷法律制度对于发展我国个人消费信贷市场 有积极意义。 全文共分为四章。 第一章：消费信贷的概述。简要地介绍了消费信贷的内涵及消费信贷的发展 概况，探讨了个人消费信贷应遵循的诚实信用、对合同自由的限制和倾斜保护消 费者原则，分析了个人消费信贷法律制度的价值。 第二章：个人消费信贷法律关系分析。从法律角度分析了个人消费信贷法律 关系，从消费合同、消费者与银行等金融机构之间的借款合同方面理清了个人消 费信贷各方当事人之间的权利义务关系。 第三章：我国个人消费信贷的现状与不足。简要介绍了我国个人消费信贷的 现状，重点分析了存在的不足，包括，法律法规体系不完善，配套制度不健全， 对消费者合法权益保护机制缺乏，社会保障体系不完善、消费环境差，信用观念 和消费信贷意识淡薄。 第四章：完善个人消费信贷法律制度的建议。从完善个人消费信贷法律法规 体系、完善征信制度、建立个人破产制度、完善消费者权益保护机制、提升居民 的消费能力五个方面提出完善个人消费信贷法律制度的建议。 关键字：信用；征信制度；消费信贷格式合同；倾斜保护消费者 I Abstract Since started in the 1990s , our personal consumption credit market has experienced a significant development. Because consumer credit is related to peoples livelihood, so good control of avoiding risk is the stabilizing factor of our economic order which can also enhance the consumption base and provide more protection. At present, Chinas consumer credit and risk management is still needed to make more explorations , hence, in theory, the legal system of consumer credit in China for the development of consumer credit market has a positive meaning . This Paper can be divided into four chapters. The first chapter starts with an overview of consumer credit. It briefly introduces the connotation of consumer credit and consumer credit and suggests the development situation of the individual consumer credit should follow to honesty, freedom of contract restrictions and tilt protect consumers principle .It analyses the value of legal systemthe for individual consumer credit. The second chapter discusses our current pe