文档介绍：华侨大学
硕士学位论文
我国消费信贷信用风险之法律防范
姓名:任春琼
申请学位级别:硕士
专业:数量经济学
指导教师:@
20070601
论文摘要

随着消费信贷在我国的发展,其信用风险也日益显现。除了商业银行通过日
常的经营管理来防范信用风险外。更重要的是通过法律来提供一种规范性安排,
更好地防范信用风险。本文正是基于此点而写。全文主要有两部分,分为五章。
第一部分是基础部分,包括前两章。第一章是消费信贷概述。主要讲到消费
信贷的内涵、基本特征和种类,以及在国外和我国的发展历程。第二章是消费信
贷的信用风险分析。先介绍了一下消费信贷信用风险的概念、特点和分类,然后
从法学和经济学的角度对消费信贷信用风险进行了理论分析,在此基础上,提出
了加强消费信贷信用风险防范的必要性。
第二部分是主体部分,包括后三章。第三章阐述了我国消费信贷面临的信用
风险的现状。首先结合具体案例概括出了三类消费信贷信用风险(即被迫违约产
生的信用风险、恶意违约产生的信用风险和理性违约产生的信用风险)在我国的
具体表现形式,然后具体分析了其成因。第四章是比较和借鉴。讲到国外在消费
信贷信用风险防范方面最主要的法律制度(虽然这些法律制度并不仅仅是为消费
信贷的发展而构建,但其在客观上却保障和促进了本国或本地区消费信贷的健康
发展),即个人信用征信法律制度和消费信贷保险法律制度。第五章是现状及完
善。也就是在比较和借鉴的基础上,针对我国消费信贷信用风险防范方面法律制
度的不足,分别消费信贷信用风险的不同类型提出了笔者的粗浅的建议。

【关键词】:消费信贷信用风险法律防范
Abstract

With the development of consumption credit in our country, its
credit risk emerges gradually. Besides of daily management and
supervision mercial bank, the law can play a more important role
in reducing the risk of consumption credit. This article is focus on
discussing this item in two sections with five chapters.
Chapter I Summary of Consumption Credit and Chapter II Credit
Risk Analyzing of Consumption Credit constitute the first part. The
chapter I introduces the connotation, essential characters, categories, and
development of consumption credit. Chapter II discuses the concept,
characters, categories of credit risk of consumption credit firstly. Then the
theoretic analysis of credit risk was carried out in a legal and economic
view. Finally, the necessity of risk prevention and defence was described.
The second section is the main part, including the last three chapters.
The chapter III depicts present situation of consumption credit in our
country. Firstly, the actual manifestation of these credit risks in our
country were summarized (the credit risk by disobeying contract
compelled, the credit risk by disobeying contract with evil entent and the
credit risk by disobeying contract on reasonableness