消费信用法研究的回顾、反思与展望

金融危机背景下，回顾与展望我国消费信用法研究与相关立法具有重要的理论与现实意义。如今消费信用立法已经成为世界性立法现象。消费信用立法应将保障消费者权益作为基本原则，综合调整贷款信用和销售信用关系，加强对消费信用先合同义务与合并条款的规制。所以，深入研究国外立法，借鉴国外经验，结合我国消费信用发展现状和传统消费文化，制定《中华人民共和国消费信用法》是非常必要和迫切的。

Review,Rethinking and Prospecting of the Research on Consumer Credit Law

It is of theory and practical significance to review and prospect the research and legislation of China's consumer credit law at the backdrop of financial crisis.This article reviews,rethinks and prospects the research of China's consumer credit law according different subjects.We consider that it should be conscious for the theory study of consumer credit law in the field of academic and methodology,and our country should draft out "Consumer Credit Act" as soon as possible.