信用卡进入我国经济领域以来,随着科技的发展,信用卡功能不断完善,信用卡活动领域不断扩大。但总体上看,我国信用卡尚处于发展阶段,存在诸多问题和不足,诸如整体规划不够,法规建设滞后,产业扶持政策缺位,市场不规范等问题,这就需要完善的法律制度加以规范。 Since the entry of credit cards into the economic field of our country, with the development of science and technology, the credit card functions have been continuously improved and the field of credit card activities has been constantly expanded. However, on the whole, credit cards in China are still in the development stage, and many problems and deficiencies exist, such as insufficient overall planning, lagging laws and regulations, absence of industrial support policies and market irregularities, which require a sound legal system to regulate them.