我国信用消费者保护的立法构建

On Construction of Credit Consumer Protection Act in China

我国消费信用发展缓慢,存在着严重的信用消费者合法权益受损问题。其根源在于信用消费者的权益缺乏足够的法律保障和有效的法律救济。文章结合我国国情,借鉴美国信用消费者保护立法的成功经验,指出我国应通过专门立法来保护信用消费者的正当权益,并配以其它社会工作同步进行,才能从根本上解决所有信用消费者问题。

China＇ s credit consumption is at the beginning stage in practice as well as in academic study. During the course of developing credit consumption in China,it is one of the important subjects under discussion to make a law to protect the credit consumer＇ s right and guide credit consumer to consume healthily and properly. The successful legislating experiences of credit consumer protection in the USA can be used for reference in the construction of credit consumer protection law in China.