互联网背景下消费金融发展新趋势及监管探析

The New Development Trend and the Supervision Analysis of Consumer Finance Under the Background of Internet

近几年来,消费已成为国家经济增长的重要引擎,而扩大国内消费需求,推动消费升级是稳增长、调结构的重要举措。2015年,国务院常务会议决定,放开消费金融市场准入,消费金融公司试点从16个城市扩大至全国。审批权下放到省级部门,并鼓励符合条件的民间资本、国内外银行业机构和互联网企业发起设立消费金融公司。国家政策大力支持消费金融发展,消费金融的行业热度持续升温,各大银行、电商平台、消费金融公司、分期购物平台等也纷纷进入消费金融市场,推动消费金融发展呈现"互联网化"趋势。互联网背景下消费金融得到了新的发展,但同时对现行金融监管也提出了新挑战。

In recent years,consumption has become a national important engine of economic growth.Expanding domestic consumption demand and promoting consumption upgrading become the important measure of steady growth and structural adjustment.In 2015,the state council executive meeting decided to let go of consumer financial market access and consumer finance company pilot from 16 cities expanding to the whole country.Approval to the provincial department,the authority encourage qualified private capital,banking institutions at home and abroad,and Internet companies established consumer finance companies.The national policy vigorously support the development of consumer finance,then consumption of the financial industry continued to heat up,and Banks,electric business platform,consumer finance companies and installment shopping platform have also entered the consumer finance market,which promote the development of consumer financial showed a trend of 'Internet'.Under the background of Internet consumer finance got the new development,but at the same time also put forward some new challenges to the current financial regulation.