消费金融法律监管研究

Research on the Legal Supervision of Consumer Finance

消费金融打破了消费者原有的信贷约束,扩展了金融体系的多层次结构,推动了信用社会的建设进程。然而其快速发展却伴随着授信失衡、风控失灵和催收失当三大乱象。信用基础设施的制度性缺位、无序扩张诱致业务属性异化、金融监管与金融创新不匹配共同构成消费金融发展失序的主要动因。消费金融的发展规范,需要完善监管思路,强调消费金融的消费内核、完善信用基础设施建设、构建市场准入审核机制并强化金融消费者保护理念,多管齐下,多维共治,引导消费金融健康发展。

Consumer finance has relieved the pre-existing credit constraint of consumers, and expanded the multi-level structure of financial system,while promoting the construction process of credit society. However,its rapid development has incurred such chaotic phenomena as credit imbalance,risk control failure and improper debt collection. The disorderly development of consumer finance can be ascribed to three major causes: the institutional absence of credit infrastructure;the alienation of business attributes resulted from its unlimited expansion;the mismatch between financial regulation and financial innovation. To accomplish the orderly development of consumer finance,regulators should perfect the regulation ideas,emphasize the consumption core of consumer finance,improve the credit infrastructure,establish the market access mechanism and strengthen the concept of financial consumer protection. With a combination of all these measures,the consumer finance will hopefully enjoy a sound development.