美国现金贷市场监管政策及经验借鉴

Abstract:This article first discusses the current development of the cash loan market in China，and compares with several major cash loan products such as payday loans and auto-title loans in the United States.After that，this article analyzes the outstanding problems of the default rate，repeated borrowing rate and deferred repayment rate of the cash loans in the United States.This article analyzes the supervision policies of the United States from the federal to local framework and the policy against the“debt trap”.Finally，based on the experience of the U.S.supervision policies，this article puts forward suggestions on the supervision of the cash loan business in China.

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