农村消费信贷法制建设探讨

Analysis of Rural Consumption Loan Legislation Construction

我国农村地区消费信贷体系建设落后,法律监管滞后,导致当前农村消费信贷业务拓展不积极,个人信贷业务办理程序繁琐,社会保障和信用担保体系不健全,消费商品流通渠道不畅等方面问题的出现。从法律监管的角度来看,法治建设的滞后主要体现在消费信贷监管制度不完善、金融借贷机构不规范、借贷担保机构缺失、农村消费信贷用户权益维护渠道不畅以及个人征信体系不健全等五个方面。对此,应健全我国现有的消费信贷法律监管制度,提高执法部门的执法能力,从而为农村消费信贷创设良好的法制环境。

The construction of China＇s rural consumer credit system is short and legal supervision is lag- ging behind, resulting in the current rural consumer credit business development is not positive, personal credit business procedures cumbersome, social security and credit guarantee system is not perfect, the consumption of commodity circulation channels and other aspects of the problem. From the legal point of view, the lag of construction of law is mainly reflected in the consumer credit supervision, financial lending institutions, credit guarantee institutions lack, rural consumer credit and personal credit system of safeguarding the rights and interests of users of construction. This should improve the supervision system of the existing consumer credit law of our country; improve the enforcement capability, so as to create a favorable legal environment for the rural consumer credit.