我国消费信贷立法应借鉴澳大利亚《消费信贷法案》

随着我国金融市场管制的不断削弱,必将会显现出对加强消费信贷立法的需要。我国消费信用立法还很薄弱,澳大利亚《消费信贷法案》中特别体现保障消费者利益的立法精神,有利于信用经营者生存和发展的特别安排、消费信贷合同的担保与保证。信贷提供者、消费供应者及消费者之间关系的有关内容,可为我国消费信贷立法吸收和借鉴;我国应针对消费信贷中存在的主要问题,有步骤地适时合理地吸收和借鉴澳大利亚《消费信贷法案》。

Reference to the Consumer Credit Code of Australia in the Legislation of Consumer Credit in China

Along with the weakening of financial market control continuously,China certainly will present the need to strengthen the consumer credit legislation.the consumer credit legislation in China is very weak.Consumer Credit Code of Australia provides references to the consumer credit legislation of our country in protecting of consumer benefits,improving consumer credit business,guaranteeing the consumer credit contract,as well as relationship among consumer credit business,consumption provider and consumer.China should take in the Consumer Credit Code of Australia properly step by step according to main problems here and now.