我国个人消费信贷的现状及规范发展的法律分析

Legal Analysis of Status Quo and Healthy Development of Personal Expenditure Credit in China

近年来 ,国内各商业银行中个人消费信贷业务迅速发展 ,但由于现行的法制体系中个人征信法律制度不完善及缺乏个人破产法律制度 ,使银行的个人消费信贷业务的发展受到限制。构建个人征信法律制度 ,首先对征信机构和个人破产要制定专业管理度高的相关法律规范 ;其次加强法律执行力度 ,对商业银行的经营行为设专门机构专门监管 ,从而降低个人消费贷款的风险 。

Recently, the business of personal expenditure credit in most Chinese commercial banks has been developing rapidly. However, the legal system of personal credit guarantee is not perfect and also there is shortage of personal bankruptcy legal system. Therefore, the development of personal expenditure credit business is limited. To establish the personal credit guarantee legal system, it is necessary that firstly, the relevant legal system and specifications of high professional management order for the credit guarantee agency and personal bankruptcy be established; secondly, the exercise of law be strengthened by setting up a special organization to supervise the transaction of commercial banks. In this way, the risk of personal expenditure credit is lowered to pave the way for the healthy development of personal expenditure credit in our country.