我国引入消费金融公司的法学思考

Reflection on Drawing into the Consumer Finance Company in China from the Perspective of Law

消费金融公司是国际金融危机之下国家干预经济的产物,其宗旨是为中低收入人群提供以消费为目的的贷款。消费金融公司在法律性质上是一个特殊的营利性非银行金融机构,受银监会的管理和监督,与商业银行、经销商、借款者之间有着特殊的法律关系,在运行、监管和业务模式等方面都还存在诸多需要解决的法律问题。

The consumer finance company is a product of government intervention against financial crisis. It is aiming to provide consumption - oriented loans for low or middle - income population. On its nature of law, it is a special profit - making non- banking- financial insititution, managed and supervised by the China Banking Regulatory Comission, which so as to own special legal ties to the commercial banks, the distributors and the borrowers. Among these legal rela- tions, however, there still exists several legal problems needed to be resloved in its operation modes, supervision patterns and so on.