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1、-AbstractAlthoughthereisjust5-yearhistoryofConsumerfinancecompanyinChina,it
playsacertainroleinpromotingconsumer.Since2009,ChinaBankingRegulatory
Commissionissuedthe"PilotAdministrativeMeasuresforConsumerfinance
companies",therearesevenConsumerfinancecompanieshadbee
2、nestablished,and
theinvestmentamountsrangingfrom300millionto20billion.Mostresearchesof
Consumerfinancecompanyarebasedontheperspectiveofeconomicsabout
consumercreditbehaviorsandriskprevention,butlessresearchfromtheperspective
oflaw,especiallyinregulatory.Soit’sfullof
3、theoreticalandpracticalsignificanceto
haveafurtherstudyinConsumerfinancecompanyregulatoryandfindoutthe
problemsofexistingregulatorymodel.Theinnovationofthispaperisfromtwo
aspectstobuildandimprovetheexistingregulatorysystem.Intheexternal
supervisionaspect,tobuildatho
4、roughexternalregulatorysystemneedtoimprovethe
legislation.Establishthesupportinglawsandorganizeindustryassociations.Andin
theinternalcontrolaspect,itisimportanttodothefollowingfoursteps.Firstly,
improvetheinternalcorporategovernancestructures,secondly,optimizetheman
5、ager
electedsystem,thirdly,innovateproductsandbusinessmodels,andlast,performthe
socialresponsibilityofthecompany.Thisthesisincludesforewordandfivemainsections:ThefirstpartintroducesthebasicsituationofChina'sConsumerfinance
companies.Comparewithforeigncompany,summari
6、zesthecharacteristicsofChina's
Consumerfinancecompanies.Thenidentifythebasicofregulatoryineconomicsand
thelaw.Andexplainthesupervisiontargets.Thesecondpartdemonstratesthenecessityforregulation.Underthemarket
liberalization,Consumerfinancecompanyhasitsownshortcomings
7、,andneedstobe
regulatedbylawandregulation;andsupervisionisalsoconducivetoprotecttheright
ofthefinancialconsumers,andmaintainthestableoperationofthefinancialindustry.
Thethirdpartisthekeypointofthisarticle.Basedontheanalysisofcurrent
externalandinternalsupervisionofC
8、onsumerfinancecompanies,notingthemajor
problemsoftheregulatoryandfindoutthecause.Theexternalquestionsfocusedon
theun-perfectlegalsystem,po
