互联网现金贷平台存在的风险和监管对策

发布时间：2018-04-07 18:19

本文选题：互联网现金贷　切入点：发薪日贷款　出处：《武汉金融》2017年10期

【摘要】：近年来,在互联网金融技术的支持下,一种主要面向低收入群体的现金贷业务迅猛发展,成为互联网金融与个人消费金融融合发展的代表性产物。由于目前国内互联网现金贷业务存在监管"盲区",导致出现"隐形"高利率和逾期高罚金、信用违约风险高、信息披露不规范、暴力非法催债等问题。本文对国内互联网现金贷业务发展现状进行了梳理,重点剖析了其存在的主要风险和问题,并在借鉴发达国家"发薪日"贷款监管实践的基础上,提出加强互联网现金贷业务监管的政策建议。
[Abstract]:In recent years, with the support of Internet finance technology, a kind of cash loan business, mainly for low-income groups, has developed rapidly, which has become the representative product of the integration of Internet finance and personal consumption finance.Due to the existence of "blind spot" in China's Internet cash loan business, such problems as "hidden" high interest rate and high overdue fine, high credit default risk, non-standard information disclosure and violent illegal debt reminders are caused by such problems as "hidden" high interest rates and high overdue fines.This paper combs the current situation of the development of domestic Internet cash loan business, analyzes its main risks and problems, and draws lessons from the practice of loan supervision in developed countries.Put forward to strengthen the Internet cash loan business supervision policy recommendations.
【作者单位】：中国人民银行铜陵市中心支行;
【分类号】：F724.6;F832.4

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