网络小额贷款公司:发展历程及监管政策

A History of Online Microfinance Companies and Regulatory Policies

互联网的广泛应用促成网络小贷的快速发展,网络小贷公司突破身份限制、区域限制、模式限制、杠杆限制,传统监管模式不适应网络小贷公司。对网络小贷公司的监管在逐步发展完善,各地政府进行了诸多有益探索。《网络小额贷款业务管理暂行办法(征求意见稿)》对网络小贷业务做出较为细致的规定,指明了监管方向:明确监管,合规发展;限制杠杆,控制体量;限制垄断,控制集中度;引导消费,控制居民杠杆。

The widespread use of the Internet has brought about the rapid development of online microfinance.Online microfinance companies have overcome business constraints due to difficulties establishing the identity of borrowers,leveraging problems,regional issues,and regulatory issues.The traditional regulatory model is unsuitable for online microfinance companies.The supervision of online small loan companies is gradually developing and improving,and local governments have conducted many useful trial programs.The Interim Measures for the Administration of Online Microfinance Business(Draft for Comment)have added greater specificity to the regulations on the online microfinance business and pointed the way for future supervision.The general direction includes a need for clearer supervision and greater regulatory compliance,controls on leverage and borrowing concentration,limits on monopoly practices and greater guidance for consumption.