本文選題：互聯(lián)網(wǎng)現(xiàn)金貸　切入點：發(fā)薪日貸款　出處：《武漢金融》2017年10期

【摘要】：近年來,在互聯(lián)網(wǎng)金融技術(shù)的支持下,一種主要面向低收入群體的現(xiàn)金貸業(yè)務(wù)迅猛發(fā)展,成為互聯(lián)網(wǎng)金融與個人消費金融融合發(fā)展的代表性產(chǎn)物。由于目前國內(nèi)互聯(lián)網(wǎng)現(xiàn)金貸業(yè)務(wù)存在監(jiān)管"盲區(qū)",導(dǎo)致出現(xiàn)"隱形"高利率和逾期高罰金、信用違約風(fēng)險高、信息披露不規(guī)范、暴力非法催債等問題。本文對國內(nèi)互聯(lián)網(wǎng)現(xiàn)金貸業(yè)務(wù)發(fā)展現(xiàn)狀進(jìn)行了梳理,重點剖析了其存在的主要風(fēng)險和問題,并在借鑒發(fā)達(dá)國家"發(fā)薪日"貸款監(jiān)管實踐的基礎(chǔ)上,提出加強互聯(lián)網(wǎng)現(xiàn)金貸業(yè)務(wù)監(jiān)管的政策建議。
[Abstract]:In recent years, with the support of Internet finance technology, a kind of cash loan business, mainly for low-income groups, has developed rapidly, which has become the representative product of the integration of Internet finance and personal consumption finance.Due to the existence of "blind spot" in China's Internet cash loan business, such problems as "hidden" high interest rate and high overdue fine, high credit default risk, non-standard information disclosure and violent illegal debt reminders are caused by such problems as "hidden" high interest rates and high overdue fines.This paper combs the current situation of the development of domestic Internet cash loan business, analyzes its main risks and problems, and draws lessons from the practice of loan supervision in developed countries.Put forward to strengthen the Internet cash loan business supervision policy recommendations.
【作者單位】： 中國人民銀行銅陵市中心支行;
【分類號】：F724.6;F832.4

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