消费信用的立法规制

信用和法制是市场经济赖以存续和发展的两大支柱,信用是一个包括国家信用、银行信用、商业信用和消费信用的体系。只有建立起以国家信用为基础,以银行信用为媒介,商业信用和消费信用结构合理、彼此促进的信用体系才能充分发挥对经济的正面作用。但我国目前的信用关系基本上呈现出银行信用异军突起,国家信用逐步发展,商业信用畸形发展,消费信用受到抑制的局面,因此,有必要加快消费信用立法以塑造、引导、扩充消费信用,完善我国信用体系,推动国民经济健康、快速发展。

Legislation Regulation for Consumption Credit

Credit and law are the two pillars for the existence and development of market economy.Credit is a system including state credit,bank credit,commercial credit and consumption credit. Only a credit system based on state credit,with bank credit as the media, with a mutual-promotion between commercial credit and consumption credit,can play a positive role in economic growth.However,the current status of credit relations in our country is:the bank credit develops rapidly,state credit develops progressively,commercial credit develops abnormally,and consumption credit is restricted in its development.This unhealthy credit system has increasingly restricted our nation's economic development.Therefore,the legislation of consumption credit shall be expedited so as to standardize, guide and expand consumption credit with the ultimate purpose of perfecting our nation's credit system to promote the healthy and rapid development of our national economy.