On The Consumer Protection Law From The Credit Consumption

The emergence of credit consumption was derived from the development of credit economy.During credit consumption, the basic premise is the consumer should have a certain credit basis and a stable revenue source.On this basis,the financial institution would pay for another first, and the consumer should repay the payment on time before the deadline.To compare with the common consumption model, the implementation basis of this two model is different. For the former, it based on the consumption above credit and anticipated revenue, that is to say, it belongs to premature consumption,and for the latter,it is the consumption model which based on personnel present property.For credit consumption, except premature consumption,its basic character also includes credit capital.This two model combined properly and it is helpful to increase the consumption demand then promote the sustainable development of economy in China.As for the right and obligation construction,the right side in credit consumption is the consumer, and the obligation side is the accepter,the item they aimed at together is the repayment behavior of the consumer.The rights of consumer were based on related rights such as the right to know and related bankruptcy system protection.In addition,if the credit consumer wants to protect their rights further, the supervision of credit providers must be stronger and ensure that they could perform the information disclosure and inform obligation as required.At the same time,the government also should give strong support on policy to promote and set up related credit system.Moreover,at present, it is difficult for the credit consumers to protect their own legitimate rights,so,set up corresponding relief system with reality is very important.This thesis based on the situation of unreasonable consumption concept and immature credit card business development,according to the Criminal Law,it should dispose the malicious overdraft of credit card by modesty principle,then judge the incrimination equitably and set the circumstances of crime;in addition, only the establishment of the law which aimed at credit consumption can provide a rapid development for it,and only then the rights of credit consumers can get a better protection.This is the innovation point of this thesis,too.