民商法视角下信用卡消费和相关法律问题分析

Analysis of Credit Card Consumption and Related Legal Issues from the Perspective of Civil and Commercial Law

随着我国市场经济的迅速发展,信用卡作为一种高效便捷的金融工具已经得到了广泛的推广和应用,然而与此同时也出现了一些法律纠纷问题,比如信用卡挂失冒用、信息泄露等,再加上目前我国在信用卡的立法方面也存在一定的问题,导致当事者的合法权益受到了严重的损害。为保证信用卡持卡人的合法权益,应该围绕信用卡专门立法,通过完善信用卡相关法律法规,来保证信用卡消费者的合法权益。本文主要以民商法为视角,对信用卡相关法律问题进行深入分析。

With the rapid development of China's market economy,credit cards as an efficient and convenient financial tool have been widely promoted and applied.However,at the same time,there have also been some legal disputes,such as credit card fraud reporting,information leakage,etc.In addition,China currently has certain problems with credit card legislation,which has caused serious damage to the legitimate rights and interests of the parties involved.In order to ensure the legitimate rights and interests of credit card holders,special legislation around credit cards should be made,and the laws and regulations related to credit cards should be improved to ensure the legitimate rights and interests of credit card consumers.This article mainly analyzes the legal issues of credit card from the perspective of civil and commercial law.