摘要
消费信用卡给发卡行带来新的利润增长点的同时 ,也对其造成一定的风险。风险背后的深层原因是制度的缺陷。我国信用卡业务的制度缺陷主要体现在银行对持卡人拖欠透支款缺乏有效催款措施、健全的个人信用制度、信用卡担保保证制度以及完善、统一的消费信贷法规。要改变这一现状 ,促进信用卡的健康发展 ,我国应在上述几个方面加强建设步伐 ,逐步建立一个有法可依的消费信贷法律制度体系。
It was the credit card that was not only new profit generator of banks, but also brought some risks caused by systematic defects. The main systematic defects of Chinese credit card system were absences of effective Paydown urgency measures, individual credit system, guarantee system of credit card and unified Consumer Credit Law. Therefore, we should make efforts from the above aspects and gradually set up a perfect legal system of consumer credit.
出处
《法学论坛》
北大核心
2005年第2期113-116,共4页
Legal Forum
基金
司法部法治建设与法学理论研究重点科研项目<消费信贷与金融监管法律问题研究>【0 1SFB2 0 10】的阶段性研究成果
关键词
消费信贷
信用卡
透支
信用制度
consumer credit services
credit card
overdraw
credit rating system
