摘要
汽车消费信贷是消费信贷的一种主要形式,但直到现在,这种信贷消费方式在我国仍处于蹒跚起步阶段,远未发挥推动汽车需求快速增长所应当发挥的作用。从我国汽车消费信贷的发展与现状来看,其遇到的法律障碍主要有立法缺陷、个人信用制度缺乏、担保制度以及社会保障法律制度的不完善,应通过制定《消费信贷法》、完善个人信用制度、担保制度和社会保障法律制度来完善我国汽车消费信贷制度。
Automobile consumer credit is the main component of consumer credit. Recently, in our country with the booming of the demand for automobile consumption, commercial banks, automobile dealers and automobile manufacturers enthusiastically provide consumers consumptive credit, so that they can pursue the profits. But until now, this specific type of credit consumption is still preliminary and staggering on its way, far from playing important role in pushing up the demand of automobile. This paper describes the current status and development of automobile consumer credit and analyzes the juristic obstacles when implementing it. By referring the experiences of modern countries such as United States and England, this study also proposes some legislative suggestions to improve our program of automobile consumer credit.
基金
国家司法部法治建设与法学理论研究部级科研究项目<消费信贷与金融监管法律问题研究>【01SFB2010】的阶段性研究成果。
关键词
汽车消费信贷
法律障碍
消费信贷法
automobile consumer credit
juristic obstacles
consumer credit law
