Research On The Legal Problem Of Credit Card Risk Prevention

Last century since1970s, credit card as an internationally popular credit payment,the payment and the using frequency of first popular in the country, its secured creditunsecured loans to attract more numerous young people use credit card enthusiasm. Atpresent, China workers and peasants in the construction of four lines, as well as thetraffic bank, Minsheng Bank, our bank joint-stock banks have issued belonging to therespective line card. With the wide application of credit card, credit card crime is alsoincreasing, and credit card related aspects of an increasingly complex legal relations,various types of legal disputes emerge in an endless stream, both banks as the issuingbody in the credit card business suffered in the case, also have the cardholder in the useof credit card business suffer a loss of sample, malicious overdraft credit card, passwordtheft, copied, illegal trading time frequently, the parties legal contradictions, therefore,on credit card industry by law, to the credit card risk into legal protection is particularlyurgent.In China, the credit card risk legal regulation as a new task, start late, weakeconomic foundation, the domestic legislative experience, in view of this, through theunderstanding of European and American countries as well as with our country nationalcondition system similar to the national credit card legal legislation trends, studyseriously draw on the useful experience and use, to credit in our country card riskprevention legal system is very important.This article introduce credit card concept, analysis of the credit card legal risk isthe most important in the internal risks and external risks, and as a breakthrough, fromthe United States, France,Japan,Germany and other countries of the credit card risk stylelegal mechanism, serious summary summarize all beneficial legislative spirit andexperience, at the same time analysis our country is in at present the credit card riskprevention in the problem of existence, on this basis to economic law society standardidea as a fundamental, adhere to the principle of balance and coordination, whilemaintaining the credit card market order value concept, the establishment of credit cardrisk prevention legal system. With a view to China’s credit card risk guard legalmechanism construction to provide effective legislative solutions, with a view to China’scredit card market orderly development, prevent the risk to provide useful suggestions.