经济新常态下消费金融监管研究

Consumer Financial Regulation Research in China under the New Normal

变革产业结构已经成为我国经济发展新常态的内在需求。目前,我国经济结构亟待升级,需要从过度强调增量扩能改变为存量调整,通过供给侧改革刺激消费需求,发现经济发展的新动力。在互联网条件下,我国消费金融市场潜力巨大,但风险并存。应从我国消费金融发展现状出发,识别消费金融风险。消费金融监管可以从监管主体的确认、金融服务数据共享、过程监控、法律监督等多方面配套,在鼓励消费金融创新的同时更好地为实体经济服务。

Changing the industrial structure is the internal demand of the new normal economic development in China. At present, economic structure of China needs to be upgraded urgently,from the excessive emphasis on incremental expansion changing to stock adjustment,through the supply side of the reform to stimulate consumer demand, with the discovery of the new driving force of economic development. Under the conditions of the Internet, the consumer financial market has great potentialities. According to the development status of China＇s consumer finance, we should first identify the risk of consumer finance.In our country, China＇s consumer financial supervision can be set from the main body of supervision, financial services data sharing, process monitoring,legal supervision and other supporting policies which encouraging consumer financial innovation and better serving the real economy.