互联网消费金融的风险防范及法律规制

发布时间：2018-01-06 13:04

本文关键词：互联网消费金融的风险防范及法律规制　出处：《商业经济研究》2017年18期 　论文类型：期刊论文

【摘要】：伴随着互联网经济的高速发展,互联网与传统消费金融的结合催生了互联网消费金融。在经济需求与国家政策支持双重利好下,互联网消费金融也迎来了巨大的发展机遇,同时也暴露出多方面的问题。基于此,本文对我国互联网消费金融的发展背景和现状进行了阐述,并从消费者、互联网消费金融产业、监管方三个角度入手,重点分析了互联网消费金融发展中所暴露的风险和问题:存在消费者信用风险、征信体系不健全、信息泄露风险、流动性风险、法律与政策监管不完善的现象,对此提出构建多元化征信体系、建立互联网消费金融产业的资产证券化交易市场、构建和完善相关法律制度的建议,以期实现互联网消费金融行业的稳健发展。
[Abstract]:With the rapid development of Internet economy, the combination of Internet and traditional consumer finance has given birth to Internet consumer finance. Internet consumer finance also ushered in a huge opportunity for development, but also exposed a variety of problems. Based on this, this paper describes the development background and current situation of Internet consumer finance in China, and from the consumer. Internet consumer finance industry, regulators from three angles, focused on the development of Internet consumer finance exposure to the risks and problems: consumer credit risk, credit system is not perfect, risk of information leakage. Liquidity risk, law and policy supervision is not perfect, so we should build a diversified credit information system and establish the asset securitization transaction market of the Internet consumer finance industry. In order to realize the steady development of the Internet consumer finance industry, the suggestions of constructing and perfecting the relevant legal system are proposed.
【作者单位】：四川文化传媒职业学院;云南师范大学;
【分类号】：D922.28;F724.6;F832
【正文快照】： 互联网消费金融发展背景中共“十八大”中曾提到要进一步深化金融体制改革,推进金融产业的创新。同时伴随“互联网+”战略的提出,将互联网与金融紧密融合。2012年谢平首次提出“互联网金融”概念, 2013 年也被认为是“互联网金融元年”,随后在李克强总理的《政府工作报告》中

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