Research On The Legal Regulation Of The Network Consumer Credit

At present,the economic development of our country has entered the new normal stage,and the lasting motive force of economic development has changed from investment-driven to consumption-driven.Consumption,which is the driving force driving economic development,plays an important strategic role in economic development.At the same time,under the background of the macro strategy of the Internet,Internet finance conforms to the trend of the development of the financial industry.E-commerce enterprises are the main body of network finance,and the field of network consumer finance has become the main battlefield of e-commerce platform competition.Based on the theory of legal regulation of consumer credit,this paper will focus on the important concept of network consumer credit in the field of network credit finance.Study the legal regulation of network consumer credit.In a sense,online credit consumption creates and expands the economic intrinsic power of consumption.However,in the process of savage expansion of online consumer credit,there is also a phenomenon of regulation derailment.The consumer credit service provided by network ecommerce stimulates the market development of ecommerce consumption through the proper debt of residents.In view of the various chaos of online e-commerce consumer credit,regulatory measures have been taken frequently in recent years.The management of network e-commerce consumer credit chaos also depends on the system design and mechanism norms.In this regard,the development of e-commerce consumer credit in the future should pay attention to the following aspects: first,bring all kinds of e-commerce consumer credit enterprises into a unified regulatory system;second,vigorously develop multi-level capital market,broaden the financing channels of consumer finance companies,break the loan monopoly position of the main body associated with e-commerce enterprises;third,establish a complete personal credit system to form a unified online and offline credit management system.The government should include all the industries involved in the credit system,not just the credit data of commercial banks,to help share information.Fourth,to protect the legitimate rights and interests of consumers in e-commerce consumer credit,such as the right to defend Extend,standardize collection behavior,etc.In order to promote the healthy and healthy development of the industry.