“现金贷”的风险及金融监管对策分析.docVIP

“现金贷”的风险及金融监管对策分析 摘要：现金贷，是小额现金贷款业务的简称，是通过对贷款申请人的审核，之后进行资金的借贷的一种业务，现金贷的特点是：借贷还款方式灵活多变，便捷快速，实时审核，立马到帐。以一二线城市以线上为主，三四线城市以线下为主。自2015年以来，现金借贷已成为我国当下金融消费金融的一个主要的发展流行趋势，在一线和二线城市主要是以线上消费为主，而三，四线城市则主要是通过线下消费为主。作为一种新经济形势下的新型的借款形式，现金贷凭借其借贷还款方式灵活多变，便捷快速，实时审核，立马到帐等优势，迅速成为2015年后互联网金融的新宠。 然而，由于其快速发展，使得借款利率高、暴力还款、管理不完善等一系列问题给市场经济造成了一定的冲击。 关键词：互联网;现金贷;金融风险;监管;防范措施 The Risk of Cash Loan and the Countermeasure of Financial Supervision Abstract:Cash lending is short for small cash loan business. It is a kind of business through loan applicants review, followed by capital lending. The characteristics of cash lending are: flexible loan repayment method, convenient and rapid, real-time audit Immediately arrived. The first and second tier cities are mainly online, while the third and fourth tier cities are mainly offline. Since 2015, cash lending has become a major development trend of Chinas current financial consumer finance. The first-line and second-tier cities mainly rely on online consumption, while the third and fourth-tier cities mainly use offline consumption. the Lord. As a new form of borrowing under a new economic situation, cash loans are quickly becoming the new darling of Internet finance after 2015, thanks to their flexibility in borrowing and loan repayment methods, convenient and rapid, real-time auditing, and immediate access to accounts. However, due to its rapid development, a series of problems such as high borrowing rates, violent repayment, and imperfect management have caused a certain impact on the market economy. This article combines the current market environment and the development status of cash loans, and focuses on the in-depth research and analysis of the disadvantages of the development of cash loans in the process of development, and puts forward some targeted measures based on related issues, with practical guidance . Keywords: Internet; Cash Loan; Financial Risk; Supervision; Preventive Measures 绪论 现金借贷是P2P和校园贷款之后的另一个新兴领