论“现金贷”风险的法律规制  

On the Legal Regulation of the Risk of “Cash Loan”

作　　者：王金苗 WANG Jin-miao(Shanghai University of International Business and Economics,Shanghai 201600,China)

机构地区：[1]上海对外经贸大学法学院

出　　处：《哈尔滨学院学报》2019年第12期62-66,共5页Journal of Harbin University

摘　　要：“现金贷”作为一种新兴的业务模式,让原本只能发生在“线下”基于亲朋好友的熟人民间借贷扩大到“线上”基于陌生群体的网络借贷。“现金贷”虽然在一定程度上解决了小微企业和个体贷款难等问题,但存在利率畸高、多头借贷、信息披露不充分、监管主体不确定、借款人法律意识淡薄等法律风险。因此,亟需在利率形式及标准、监管措施以及信息披露范围等方面进行同步法律建设。As a new business model,“cash loan”has expanded the non-governmental loan based on family and friends that could only happen offline to the online loan based on unfamiliar groups.Although“cash loan”to some extent solves the problems of small and micro enterprises and individual loans,there are legal risks such as abnormally high interest rates,long loans,inadequate information disclosure,uncertainty of regulatory subjects,and weak legal awareness of borrowers.Therefore,it is urgent to carry out synchronous legal construction in interest rate forms and standards,regulatory measures and information disclosure scope.

关 键 词：互联网金融 “现金贷” 高利率 法律监管 

分 类 号：D912.28[政治法律—民商法学]