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Credit card business risk control and supervision of law

Author: LiYanXia
Tutor: WeiJingZuo
School: China University of Political Science
Course: Economic Law
Keywords: Credit card Legal Risk Control Regulatory Perfect
CLC: F832.2
Type: Master's thesis
Year: 2010
Downloads: 274
Quote: 1
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Abstract


Credit cards have been around in our 25-year history, it has changed the consumer payment habits, it is the rapid development of the payment system to bring major changes in China's economic and social development have a profound impact, making China become the world's most potential credit market. However, credit card payments in promoting economic development has also produced a number of legal risk, and one malicious overdraft, trade fraud, cash and other issues have become industry criticism, how to conduct an effective risk prevention and control is placed in, including regulatory authorities and The issuing bank in front of the community, including the important issue. This paper introduces the concept of credit, development process, the presence of various types of credit card business legal relations and legal risks and other basic knowledge, and through our credit card business at this stage of the analysis of regulatory and control measures, to facilitate readers to understand China's current status of credit risks and regulatory measures, and then by comparing the developed and developing countries and regions with comparable advanced and propose a balanced protection of the main parties, including consumers, the concept of legitimate rights and interests of our country next regulatory and control measures for bold ideas with a view to realization of this particular financial product credit healthy and sustainable development in our brainstorming purposes. This paper selects the United States, South Korea and Taiwan of China as learn some advanced approach to law and economics perspective, through several major issuers to conduct research, access to a large number of industry regulations, documents and other primary sources approach on this basis, put forward their views. In addition to introduction and conclusion, the paper is divided into four chapters: the first chapter is a credit card overview, by introducing the basics of credit card, analyzes the major legal relationship between the parties, the law proposed credit risk classification - namely credit risk, the risk of fraud and operational risk, and the three major risks for a more detailed description. The second chapter is the first chapter based on the credit risk classification, citing China's current existing regulatory and control measures, and classification analysis, pointing out the risk of fraud control in the criminal legislation has been improving, but for credit risk and operational risk prevention there is a big improvement space. Chapter III, respectively, through the United States, South Korea and Taiwan of China in the field of regulatory instruments introduced credit analysis, mining their credit card business risk in the control experience and strong measures. By introducing advanced practices and seek to make our country a reasonable learn faster and better development credit card business, and promote the steady development of social payment system. Chapter I of the credit card market for risk prevention and regulatory status quo certain vision. The focus of this chapter is full. Learn from the United States first proposed to accelerate credit card practices and improve the relevant legislation supporting independent legal, business and then put forward specific ideas, and strive from reality, so that measures more detailed, more feasible, in order to achieve a balanced protection of the major parties, which is herein in mind.

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