现金贷的风险及金融监管对策分析研究 财务管理专业VIP免费

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。本文结合当下的市场环境及现金贷的发展现状，重点对现金贷业务在发展过程中存在的弊端进行深入的研究分析，并根据相关的问题提出一些针对性的措施，以具有现实的指导的意义。关键词：现金贷；风险；监管；对策AbstractCashlendingisshortforsmallcashloanbusiness.Itisakindofbusinessthroughloanapplicants'review,followedbycapitallending.Thecharacteristicsofcashlendingare:flexibleloanrepaymentmethod,convenientandrapid,real-timeauditImmediatelyarrived.Thefirstandsecondtiercitiesaremainlyonline,whilethethirdandfourthtiercitiesaremainlyoffline.Since2015,cashlendinghasbecomeamajordevelopmenttrendofChina'scurrentfinancialconsumerfinance.Thefirst-lineandsecond-tiercitiesmainlyrelyononlineconsumption,whilethethirdandfourth-tiercitiesmainlyuseofflineconsumption.theLord.Asanewformofborrowingunderaneweconomicsituation,cashloansarequicklybecomingthenewdarlingofInternetfinanceafter2015,thankstotheirflexibilityinborrowingandloanrepaymentmethods,convenientandrapid,real-timeauditing,andimmediateaccesstoaccounts.However,duetoitsrapiddevelopment,aseriesofproblemssuchashighborrowingrates,violentrepayment,andimperfectmanagementhavecausedacertainimpactonthemarketeconomy.Thisarticlecombinesthecurrentmarketenvironmentandthedevelopmentstatusofcashloans,andfocusesonthein-depthresearchandanalysisofthedisadvantagesofthedevelopmentofcashloansintheprocessofdevelopment,andputsforwardsometargetedmeasuresbasedonrelatedissues,withpracticalguidance.Keywords:cashlending;risk;supervision;countermeasures目录..................................................................1.........................................................1.........................................................1......................................................2...........................................................2................................................2.....................................................3.....................................................3..................................................3................................................4...................................................4...................................................5...................................................5................................................5..................................................5....................................................5..................................................6.......................................................6.......................................................6.....................................................6...................................................7........................................................7....................................................................