我国互联网消费金融发展的主要问题、挑战与监管建议

Abstract:With the steady development of China’s economy，the policy support of consumer finance，the upgrading of consumption concepts and the deepening application of financial technology （FinTech），China’s consumer finance industry has ushered in “explosive” development. However，it has also brought a series of problems and challenges：the macro-risk problem caused by the rapid development of consumer credit；the market chaos caused by the fierce competition of Internet consumer finance entities；the problem of imperfect development of the personal credit information system and data islanding；the imperfect laws and regulations of Internet consumer finance；the problem of technical security and weak protection of consumer rights under the background of financial technology；the development of the scene consumer finance is insufficient；the product homogenization is serious et al. Based on the experience of overseas major countries （US，UK，Japan） in consumer finance innovation supervision，this paper proposes relevant supervision suggestions. On the macro level，it proposes to build a double peak+” regulatory system and personal credit information system，strengthen functional supervision and technology supervision，strengthen the legal norms of internet consumer finance. On the micro level，it proposes to develop scene consumer finance in further，strengthen the risk management capacity，and improve the information disclosure mechanism.

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