信用卡循环信用及利率问题之探讨  

On the Circulation Credit and Interest Rate of Credit Card

作　　者：侯继虎[1] 

机构地区：[1]淮阴工学院人文学院,江苏淮安223003

出　　处：《淮阴工学院学报》2012年第2期18-23,共6页Journal of Huaiyin Institute of Technology

摘　　要：信用卡在人们的日常生活中日益普及,但随着信用卡业务的迅速扩大,现实中信用卡纠纷日益增多。循环信用是短期消费性贷款的一种,系基于信用卡领用合约之约定,故循环信用之利息为约定利息,且循环信用利率较一般贷款利率为高,以缴款截止日为起息日较为合理。信用卡超期日利率达万分之五,如按年计算,利率高达20%,显属过高,有调整之必要。从系统论和法律适用的角度论证信用卡复利和滞纳金存在的不合理性。Credit card has become increasingly popular in people~ daily economic life, but with the rapid expansion of credit card business, credit card dispute in the practice is increasing day by day. The circulation credit is a kind of short term consumption loan based on the contract agreement of the recipients of the credit card, in which the interest of circulation credit is contract interest and circular credit loan interest rate is higher than the ordinary interest rate. Therefore, it is reasonable to start value date at the pay - in deadline. If the daily overdue rate of credit card reaches 5%, its annual rate will be as high as 20% which needs to be regulated. Finally, this paper, from the perspective of the system theory and application of law, demonstrates the irrationality of the exist- ence of credit card compound rate and overdue fine.

关 键 词：信用卡 循环信用 利率 复利 

分 类 号：D912.29[政治法律—民商法学]