互联网消费金融发展现状、问题及对策研究

Research on the Development Status, Problems and Countermeasures of Internet Consumer Finance

近年来互联网消费金融迅速崛起,受到越来越多的关注。本文首先介绍互联网消费金融的概念、特点和分类,研究其发展规模和背景。进而分析其发展现状和问题,如法律监管滞后、用户权益保护不力、征信体系发展不健全等。最后从法律监管、国际经验、技术安全、征信体系等方面提出促进互联网消费金融稳健发展的建议。

In recent years,Internet consumer finance has risen rapidly and attracted more and more attention.This article first introduces the concept,characteristics and classification of Internet consumer finance,and studies its development scale and background,and then analyzes its development status and problems,such as lagging legal supervision,inadequate protection of user rights and interests,and inadequate development of the credit system.Finally,it puts forward suggestions to promote the steady development of Internet consumer finance from the aspects of legal supervision,international experience,technical security,and credit information system.