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Brief discussion on the contract aspect of the consumer credit laws in Australia

I. Introduction

1.1. History of Consumer credit

credit that banks, financial institutions, and https://www.51lunwen.org/InternationalBusinessLaw/ shops give to customers to buy goods (for example, mortgages, loans, credit cards). Along with the development of human society economy, monetary began to produce, because money has properties as general equivalence, can be exchaged with Commodities as the Commodity Exchange medium . money has the value of functions such as scale, means of payment, which are becoming increasingly obvious. From then on, the people holding money can use currency to exchange any goods with currency, thus get their required commodities as a production material or life, the object of credit transforms from physical object to the currency . The people holding currencies release their own currency to others (namely lend to others), the borrowers make a commitment to pay the money according to the agreement, and this creates a currency accommodation, which is the sense of modern monetary fund finance . With the industry’s appearance which is specialized in financial activities and gets the profits.in addition, credit becomes economic activity. Initially the financial campaigns exists in the form of interest. When monetary is produced later, with the development of society and economy, the function of money mainly becomes more and more serious . People through monetary fund lending, can satisfy to get the goods and produce consumer goods, life consumption needs. And as commercial Banks that specialize in monetary capital loan activities appear and rapidly develop, commercial Banks become the subject of credit activities, thus resulting in bank credit . The mode of operation of Bank credit is commercial Banks to collect money from society, lend the money to the people who need.

Table of contents

I. INTRODUCTION 2
1.2 THE PRESENT LEGAL SYSTEM ABOUT THE CONSUMER CREDIT 4
1.2.1. the UCCC 5
1.2.2. The introduction of NCCP ACT 6
1.2.3. The introduction of NCC 6
2. CONTENTS AND APPLICATION OF CONTRACT REGULATION IN NCCP ACT AND NCC 7
2.1. CONTENTS OF CONTRACT REGULATION IN NCCP ACT (NATIONAL CONSUMER CREDIT PROTECTION ACT) 7
2.1.1 Legal regulation method is indirect legislation 7
2.1.2. Contents of contract regulation in NCCP ACT 11
2.2. CONTENTS OF CONTRACT REGULATION IN NCC (NATIONAL CREDIT CODE) 15
2.2.1. Legal regulation method is direct legislation 15
2.2.2. Contents of contract regulation in NCC 16
3. ADVANTAGES AND DISADVANTAGES OF THE CONTRACT REGULATORY METHOD IN NCCP AND NCC 21
3.1. ADVANTAGES OF CONTRACT REGULATORY METHOD IN NCCP AND NCC 21
3.1.1 Advantages of contract regulatory method in NCCP ACT 23
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