I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IIIAbstractCash lending is short for small cash loan business. It is a kind of business through loan applicants' review, followed by capital lending. The characteristics of cash lending are: flexible loan repayment method, convenient and rapid, real-time audit Immediately arrived. The first and second tier cities are mainly online, while the third and fourth tier cities are mainly offline. Since 2015, cash lending has become a major development trend of China's current financial consumer finance. The first-line and second-tier cities mainly rely on online consumption, while the third and fourth-tier cities mainly use offline consumption. the Lord. As a new form of borrowing under a new economic situation, cash loans are quickly becoming the new darling of Internet finance after 2015, thanks to their flexibility in borrowing and loan repayment methods, convenient and rapid, real-time auditing, and immediate access to accounts. However, due to its rapid development, a series of problems such as high borrowing rates, vi...
