中国现金贷的发展与监督.docxVIP

目 录中文摘要1关键词1Abstract1Keyword 1一、绪论2二、现金贷的定义以及产生的原因2（一）定义2（二）产生的原因3三、中国现金贷的发展历程4四、我国现金贷的发展状况4五、我国现金贷面临的风险及问题5（一）借贷公司信息不够透明，存在消费风险5（二）多头借贷风险一旦爆发，引发系统性风险6（三）网络小贷公司牌照和监管不对称，存在监管空白6六、我国现金贷监督措施6（一）提高市场准入门槛，规范现金贷行业6（二）加强利率监管，严格控制资金来源6（三）监管部门之间加强沟通，防止出现监管空白7七、结语7参考文献7致谢8中国现金贷的发展与监督摘要：去年十二月一号，中国国家银行互联网金融风险专项整治工作领导小组办公室和银监会P2P网贷风险专项整治工作领导小组办公室共同颁布了《关于规范整治“现金贷”业务的通知》（以下简称《通知》），引发了一系列的互联网金融行业的震动。最近几年以来，各路资本和企业被流量快速变现所吸引，涌入现金贷市场。同时，借款利率很高，多头借贷，灰色催收产业，以及现金贷背后的资金链条也随之成为市场关注和争议的焦点。从而也引发了不少人对于现金贷运营模式的思考，现金贷到底是天使还是恶魔？对于现金贷应该采取怎样的监管措施？本文主要研究分析，回答这样的两个问题。从现金贷的产生以及发展进行描述，分析我国现金贷面临的问题，以及如何实现对现金贷监管措施。关键词：现金贷款；发展；监管Abstract: Last December 1, China National Banks special regulation of Internet financial risks The office of the leadership group and the Banking Regulatory Commission peer-to-peer Network Loan Risk Regulation work jointly promulgated the on the regulation of cash loan notice (hereinafter referred to as notice), triggering a series of internet financial industry shock. In recent years, the capital and enterprises have been attracted by the rapid flow of traffic, pouring into the cash loan market. At the same time, the borrowing interest rate is very high, the long loan, the grey collection industry, as well as the fund chain behind the cash loan also becomes the market attention and the controversy focal point. Thus also triggered a lot of people on the cash loan operation mode of thinking, cash loan in the end is an angel or devil? What kind of regulatory measures should be taken for cash loans? This paper mainly studies and analyses, answering two questions. From the production of cash loan and development of the description, analysis of Chinas cash loan problems, and how to achieve the supervision of cash lending measures.Keyword: synthetic gold loan; develop; supervise绪论在2015年的时候，因为当时的国家政策试点范围不断的扩大，国家银行开放了征信牌照，降低了准入门槛等等一系列政策的刺激，使得消费金融市场快速的发展壮大。从而现金贷在这样的背景下产生。随着这几年的发展，现金贷呈现了一个爆炸式的增长，而且出现了多个平台，迈上了国际境外资本市场。在这一年，信而富网贷平台宣布，通过腾讯手机QQ客户端正式的上线个人的一个小金额、短期的信贷产品——现金贷。这两个公司的合作，达到了一个战略伙伴的