【作者】 曾丹；

【导师】 刘汉霞；

【作者基本信息】 华南理工大学 ， 经济法学， 2010， 硕士

【摘要】 随着银行金融机构业务的创新,信用卡业务的发展,信用卡的种类不断增多。信用卡作为我国一种新型的支付工具,已逐渐渗透到社会经济生活的方方面面。然而,由于立法以及相关制度等的滞后,信用卡消费者权益被侵犯的现象屡有发生。本文从促进信用卡产业健康发展的角度出发,立足于保护信用卡消费者的权益,在借鉴国外相关信用卡消费者保护立法与结合我国现实情况的基础上,通过比较分析、历史分析、批判分析等方法,着力探讨如何改进和完善我国信用卡消费者权益保护制度的建立及完善。本文主要分为六个部分,对如何完善我国现行法律制度以保护信用卡消费者权利进行了研究。第一部分是绪论,这一部分分析了选题的背景及意义,并界定了本文的三个概念:信用卡、消费者、信用卡消费者。第二部分对信用卡与信用卡消费者权利保护进行理论分析,介绍国内外信用卡消费者保护的若干理论学说。第三部分对我国信用卡消费者权益保护进行现实分析。主要介绍了我国信用卡产业发展的现状及存在问题,然后从立法、监管、行业自律三个方面进行分析存在的问题的成因。重点介绍立法的缺失及监管制度与行业自律制度的不足。第四部分全面总结并分析了我国信用卡消费者拥有的基本权利。我国信用卡消费者拥有消费者权利保护法规定的九种基本权利,并由于信用卡消费者的特殊性具有与一般消费者不用的权利内容。信用卡消费者与信用消费密切相关,基于信用消费者的权利,信用卡消费者拥有消费者信用权,平等获得信贷权,信息安全权,抗辩权等基本权利。第五部分介绍国外信用卡消费者权益保护经验借鉴。本部分主要从立法体系、监管制度、行业自律制度方面介绍国外成功经验,以期对我国完善相关制度提供参考。第六部分对我国信用卡消费者权益保护制度体系完善提供相关建议。实体权利的赋予并不必然得以实现。因此,本部分主要为实现信用卡消费者的权利而设计或完善相关制度。主要从三方面着手:立法完善、监管制度、行业自律制度。更多还原

【Abstract】 With the innovation of banking financial institutions, credit card business develops, and the types of credit cards increase. Credit card as a new payment means in our country, which is reflecting the perfect combination of modern information technology and the traditional financial services ,and it has gradually penetrated into all aspects of social and economic life. However, due to the legislation and related systems lag, rights of credit card consumers are frequently violated. This article is about to promote the credit card industry , based on the protection of the rights of credit cards consumers, making efforts to explore ways to improve and refine our credit card consumer protection system by the ways of comparative analysis, historical analysis, critical analysis and others .In order to build a complete system to protect credit card consumer rights, this paper mainly base on five aspects:Firstly, the theoretical analysis on the protection of credit card consumer rights .It is introduced the definition and the characteristics of credit card consumer. The ordinary consumers and credit card consumers were compared,and told that why needs for special protection . It also shows the foreign theoretical basis .Secondly, it is a summary analysis of the status of credit card consumer protection. Introduces the system of credit card consumer rights as well as from banks, consumers, legislative, regulatory, industry self-regulation. It is highlighted the lack of legislation and regulation and the lack of industry self-regulation system.Thirdly, Comprehensive summary and analysis of China’s credit card has the basic rights of consumers. China’s credit card customers have the nine basic rights, and because of closely related to credit, credit card customers owe the rights of credit customers.Fourthly it is introduced the experiences of foreign credit card consumers protection. This part provides a reference of foreign countries mainly from the legislative system, monitoring system, industry self-regulation system.Sixthly, providing relevant recommendations on improving China’s consumer rights protection. Entity does not necessarily give the right to be realized. Therefore, this part is to realize the rights of credit card consumers. It is started from three aspects: Legislation, regulatory, industry self-regulation.更多还原