Research On Bank Card Consumer Rights And Interests Protection

In today’s society, with the rapid development of electronic information technology, the bank card has become commonly used means of payment. With the popularity of bank card, bank card consumer rights and interests suffer violation with each passing day. This situation is also of concern. This paper explains the related concepts of the bank card consumer, and an analysis of the relationship between bank card consumers and banks and the relationship between bank card consumers and merchants is made. Through this analysis, the article explains the particularity of bank card consumers. The article fully discusses the current China’s bank card consumer rights and interests protection deficiencies and causes, put forward some institutional suggestions of legislation and the rationalization of the relief mechanism. Think of China bank card consumer rights and interests protection should be combined with China’s national conditions, take full account of bank card consumer characteristic, draw lessons from the United States and Britain in the field of mature legislation experience and the advanced legal system, especially from the improvement of the related system proceed with, strengthen the banking card consumers rights and interests protection legislation, judicial protection and legal protection, for bank card consumers with more complete rights and remedies.