| 论消费信用卡透支风险的法律监管制度建设 |
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| 引用本文： | 周显志,郑佳.论消费信用卡透支风险的法律监管制度建设[J].法学论坛,2005,20(2):113-116. |
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| 作者姓名： | 周显志 郑佳 |
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| 作者单位： | 暨南大学法学院,广东,广州,510632 |
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| 基金项目： | 司法部法治建设与法学理论研究部级科研项目 |
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| 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。
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| 关 键 词： | 消费信贷 信用卡 透支 信用制度 |
| 文章编号： | 1009-8003(2005)02-0113-04 |
| 修稿时间： | 2004年11月30 |
On System Construction of Legal Supervision on Risks of Credit Card Overdrawn |
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| ZHOU Xian-zhi,ZHENG Jia.On System Construction of Legal Supervision on Risks of Credit Card Overdrawn[J].Legal Forum,2005,20(2):113-116. |
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| Authors: | ZHOU Xian-zhi ZHENG Jia |
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| Abstract: | 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. |
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| Keywords: | consumer credit services credit card overdraw credit rating system |
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