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美、英、日三国信用卡法律制度及其对我国的启示论文
Abstract
Credit card is the product of high development of market economy. Along with
the development of the domestic market economy, credit card has is a common
phenomenon. So far our credit card hairpin already close to 200 million pieces, total
credit amount nearly 70 million yuan RMB. Credit card has become a daily
consumption payment tool. Credit card in a convenient people pay at the same time,
consumer also contributed to the economic development. But because the credit card
is imports, our country in introducing credit card, not even the credit card legal system
introduced together. Credit card in the development of our country is still less than
three years, the credit card market and credit card is not mature social environment,
credit card is not perfect legal systems. So in the credit card market high-speed
development today, and credit card related disputes emerge, credit card fraud, credit
card to cash, credit card malicious overdraft on criminal behavior emerge in endlessly.
Even so, Chinas credit card market were still all considered the future the most
potential market. As 2006, China financial sector to foreign comprehensive open,
foreign Banks, foreign capital are entering the Chinese credit card market. Chinas
financial institutions to other countries have gradually developing credit card business.
Everyone knows, the market economy is law economy. No laws and regulations
safeguard market areas are not vital. Therefore improve the credit card legislation in
China, building accords with the actual market conditions and credit card with the
international credit card market of Chinese credit legal system appears more
important and ur
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