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Problems of credit consumption and Legal Strategies


Abstract of credit as the expansion of domestic demand and stimulating economic development of important initiatives, there is currently a lack of a sense of security the consumer credit consumer credit consumer harsh conditions, inequality of opportunity, and many other issues, thus, does not cause the development of credit satisfaction. To eliminate these barriers to consumer credit,[link widoczny dla zalogowanych], consumer credit must be strengthened legal norms, to establish the claims of credit for consumer and institutional, personal bankruptcy system, standard contract monitoring system, credit evaluation and monitoring system, the system of credit equal opportunities. Key words
credit consumption; consumer safety; personal bankruptcy; credit monitoring; equal opportunity


What credit? finance that reflects the credit is the owner of certain economic relations between the different lending practices, generalized credit that bank credit, lending money is the creditor, the debtor must pay interest on time pay and credit activities, which include commercial bank deposits, loans, settlement and other business assets and liabilities. The narrow sense refers only to bank loans,[link widoczny dla zalogowanych], credit [1]. This definition is obviously too narrow. \More comprehensive overview of this definition of \Therefore, the credit consumption is the direction of the operator of a consumer for the purpose of life needs money, goods, services or securities, consumer according to the agreed time and manner of delay repayment of money the consumer transaction. Therefore, both financial institutions of its release to consumers issued by consumer credit, including credit of other operators. From the time point of view, including irregular payments and installments. The law on consumer credit relations, the main one is the operator, including commercial banks, retailers, service providers and other commercial financial institutions, the other is the consumer; its object is the currency. Consumer credit has a credit nature of debt, credit, state intervention, and other characteristics of macro-control. Consumer credit as stimulate consumption, an important measure to promote economic growth, has not produced the desired results, reason is that there are many problems of credit consumption, consumers can not, can not or no chance of credit, therefore, to strengthen consumer credit legislation, consumer credit from the law to eliminate the obstacles, the current problems to be solved.
a current problem of credit consumer credit consumer
just produced in China, both operators and consumers, have little knowledge of consumer credit, virtually no experience, so we had many problems The main issue is:
1, consumers lack a sense of security
consumer credit consumption of consumer goods or services in facing various risks, such as physical risk, financial risk, performance risk, psychological risk . Consumers want to minimize risk. However, because the credit consumption as a new consumer transactions, most consumers have no experience at all, and therefore, with such purchase more wind [2]. Second, the provision of credit more complex operators, such as state-owned commercial banks in addition to, the consumers of other operators (such as retailers, etc.) know very little about credit, or no, and therefore, the operator does not exist trust; again, with the economic restructuring, reform, welfare of the people some of the original adjustment, and health care reform,[link widoczny dla zalogowanych], education reform and other vital interests of the people involved in the reform of the uncertain future development of the situation, consumption is expected to unknown factors too much. Coupled with increased job instability, an amount of revenue, payment can not occur, the consumer's basic rights such as right to life can be protected? The degree of protection? These problems is not clear. Lastly, credit generally is a consumer contract has an absolute advantage in the economic status of the operator form contract prepared in advance, which may be imposed on the consumer contract provisions intended to preclude the two sides to consult on the possibility of contractual terms. Operators may use format of the contract entirely deliberate to protect their rights, which may damage the interests of consumers. Many factors make consumer credit consumption insecurity was too risky, after all, consumer safety is the primary issue of concern to consumers, \
2, consumer credit conditions are too harsh
for consumers, China's current consumer credit conditions are too harsh, one short of credit payment terms, cars are generally year mortgage is usually 10 20 years, the longest has only 30 years. This requires consumers to have high income, in Beijing, for example, can now enjoy the credit consumption of Zhishifenzi Daduo company or industry Nei's high income earners,[link widoczny dla zalogowanych], their monthly household income of 5,000 yuan more than in, for the general consumers, nearly 2,000 yuan per month repayment charges so that they feel powerless [4]. A Case Study of the current monthly average family income of 1,500 yuan in 1200, to pay a thousand dollars or even a few thousand letters loans is impossible. This condition will only exclude the vast majority of consumers outside of credit, no wonder that consumer credit is difficult to scale, and thus stimulate economic development, in addition to, such as occupation, age, residence and other conditions or restrictions. The reason is mainly because: (1) China has not yet established a comprehensive personal credit evaluation and monitoring system, operators are concerns about the consumer credit; (2) the operator to provide cycle longer afraid of the credit, the total hope to recover the debt as soon as possible. To mortgage, for example, the longest in China at present has only 30 years, developed countries 15 years ago launched over 140 years of the mortgage. Some people think that because of our low income consumers, in essence,[link widoczny dla zalogowanych], is only relative to the level of income credit payments, if a longer period, the corresponding periodic payments the loan is also less.
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