互联网贷款监管存在的问题与对策研究  

Research on the problems and countermeasures of Internet loan supervision

作　　者：陈洪亮[1] 常晶[1] CHEN Hongliang;CHANG Jing

机构地区：[1]中国人民银行辽源市中心支行,吉林辽源136200

出　　处：《吉林金融研究》2019年第12期27-29,共3页Journal of Jilin Financial Research

摘　　要：近年来,互联网金融技术的快速发展,互联网贷款的发展也随之而来。但是由于我国的互联网贷款的监管与互联网贷款发展的速度不匹配,使得监管存在着一定的空白区域,法律监管体系的缺失、主体的缺位、信息披露的不规范,消费者权益难维护等问题凸现出来。本文在对我国互联网贷款发展的现状进行分析,提出面临的监管问题,借鉴国外的经验,提出加强我国互联网贷款监管的政策建议。In recent years,with the rapid development of Internet finance technology,the development of Internet loan also follows.However,due to the mismatch between the supervision and the development speed of Internet loans,there is a certain blank area in the supervision.Lacking of legal supervision system,the absence of supervision subjects and so on.This paper analyzes the current situation of the development of Internet loans in China,puts forward the supervision problems,drawing on the experience of foreign countries,so this paper puts forward some suggestions on strengthening the supervision of Internet loans in China.

关 键 词：互联网贷款 监管 

分 类 号：F830[经济管理—金融学]