消费信贷监管的欧盟经验

The European Experience of Consumer Credit Regulation

欧盟消费信贷发展较为成熟,其相应的监管制度也相对完善,因此,欧盟消费信贷的监管经验对于我国消费信贷的健康发展具有重要的借鉴意义。本文在研究欧盟基本金融监管框架的基础上,对欧盟消费信贷监管的主要政策法规《消费信贷指令》《不动产信贷指令》的核心内容进行了分析说明。同时,对近年来欧洲消费信贷的风险问题及有关监管部门采取的风险防范措施进行分析。

Consumer credit in European Union(EU)is fully-developed and the supervision system is well established.Therefore,the regulatory experience of EU consumer credit is worth learning for China.Based on the basic financial regulation framework in EU,this paper illustrates the core content of the Consumer Credit Directive and the Real Estate Credit Directive,which are the main policies of EU consumer credit.Furthermore,this paper analyses the risk of EU consumer credit and the risk prevention measures taken by supervision department in recent years.