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Credit card cash Legal Regulation System

Author: HuXueJiang
Tutor: LiuShaoJun
School: China University of Political Science
Course: Economic Law
Keywords: Credit card cash Breach of Illegality Regulation
CLC: F832.2
Type: Master's thesis
Year: 2011
Downloads: 243
Quote: 2
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Abstract

After twenty years of development, credit cards have become the daily lives of residents widespread use of financial instruments, the credit card business has also become the major banking institutions business. However, the process of development in the credit card business, credit card cash behavior also showed blowout development, and even formed a complete industrial chain of credit card cash. Credit card issuing banks to take cash behavior makes a huge business risk, but also induce people to excessive use of bank credit, undermining the whole social credit system, and regulatory agencies will monitor the distortion of the effectiveness of regulatory policies affect the economy, and even become money-laundering behavior hotbed. Therefore, the regulation of the behavior of credit card cash growing louder, various regulatory bodies directly regulate the introduction of relevant policies, all researchers have also proposed regulatory scheme. But for the Regulation of credit card cash lack of overall regulatory guidance and ideas on specific analysis of the behavior, the associated effective regulatory measures are not obvious, even alleged violations of the legitimate rights of the cardholder. Therefore, to solve the problem of credit card cash, credit card cash need for analysis of the act itself, combining behavior and the proliferation of credit card cash reasons, the establishment of reasonable behavior on credit card cash regulatory regimes. This paper includes an introduction, body and conclusion of three parts. Introduction describes the background and significance of this study, as well as domestic and foreign research situation the research methods. Body part by four chapters: the first chapter analyzes the behavior of credit card cash credit card cash specific forms and behavior and cause flooding. The second chapter of the credit card cash conduct a specific analysis. First, from the basic legal relationship between the main card, analyzes the main legal acts, draw the cardholder and credit card cash cash intermediary acts in breach of. Then in the existing laws and regulations concerning conduct combing credit card cash basis, for cash in escrow and cardholder unlawful act was analyzed that credit card cash credit card behavior is not merely legal relationship involving the main interests of all parties concerned and the financial security and social and economic order and stability. Intermediary services for consumer use of cash payment and settlement tool, overdraft consumption behavior of consumers conversion to unsecured credit cardholder behavior, their behavior with the payment and settlement services and credit operations directly related, therefore, the regulation of the behavior of credit card cash must be consistent in order to safeguard the interests of the economy as a whole concept, the behavior of credit card cash into the financial regulatory system. The cardholder and cash held responsible agency should be combined with economic law behavior of the subject and the body should assume the functions, the implementation of differentiated accountability mechanisms. Chapter III of the relevant foreign credit cards legislative systems are introduced and the content analysis, behavioral regulation of credit card cash Improving the System to provide a reference. Chapter Four Law concept as a guide, the combination of government regulation and market mechanisms, respectively, from the perspective of the cardholder and provides a cash intermediary acts regulating credit card cash perfect the mechanism of suggestion.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Banking system and business
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