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我国未来的“消费信用法”应调整金融机构与消费者之间的贷款信用关系,商业等机构与消费者之间的销售信用关系,消费者、金融机构、商业等机构三者之间的信用关系和辅助信用关系。将充分保障消费者权益,引导消费者适度消费、生态消费等作为立法的基本原则。我国未来的“消费信用法”宜采取综合型的立法模式,充分采用通行的法律手段来保障消费者在信用交易中的权益,还应重视保护自然人担保人的权益,防范消费者过度负债。
China’s future “Consumer Credit Law ” should adjust the loan credit relationship between financial institutions and consumers, sales and credit relations between agencies such as business and consumers, consumer, financial institutions, commercial and other institutions between the three The relationship between credit and supporting credit. Will fully protect the rights and interests of consumers, and guide consumers to moderate consumption, ecological consumption as the basic principles of legislation. China’s future “consumer credit law ” should adopt an integrated model of legislation, full use of prevailing legal means to protect consumers’ rights and interests in credit transactions, but also should pay attention to protecting the rights and interests of natural person guarantors and guard against consumer over-indebtedness .