Study On The Legal Risk Supervision System Of Internet Consumer Credit

Internet consumer credit is the new development direction of consumer credit market.It is the product of the combination of traditional consumer credit and internet,proving a convenient consumer credit services for low-income consumers.After the emergence of Internet consumer credit in China,although its rapid development and large scale,there are many problems with its supervision.Because the operating mode of Internet consumption credit is different from traditional consumer credit,and Internet consumer credit involves more subjects.How to perfect the legal risk supervision system of Internet consumer credit in our country is the problem to be solved in this paper.Based on the reasons for the formation of Internet consumer credit regulation problem,this paper takes Internet consumer credit as the research object and analyzes the basic theory and operation mode of Internet consumption credit.The concept of"Internet consumer credit"and"Internet finance" should be differentiated.At the same time,it is found that consumer credit should have the characteristics of group-specific,transaction convenience and limit credit.In addition,this paper takes"JD White Stripes"and"Mayi Pay"two kinds of products for example to studies the operating mode of Internet consumption credit.In the study of the operating mode of Internet consumer credit,this paper found that the Internet consumer credit products three risks from consumer,platform and market,so this paper discuses the reasons from three aspects.In order to solve the legal risk of internet consumer credit;,this paper studies the risk supervision system of Internet consumer credit in Britain and The United States.The strict information disclosure system and comprehensive credit system in Britain and the United States lay a good foundation for Internet consumer Credit-In British,Double-peak supervision and self-regulation ensure the accuracy and impartiality of regulation,and in the United States,functional regulatory model is more flexible.Based on the above studies,this paper puts forward some suggestions of clearing regulatory Principles,perfecting the credit system,strengthening the construction of platform risk control system,expanding the way of market risk diversification.The innovation of this paper is that puts forward some suggestions on perfecting the legal risk supervision system of Internet consumer credit.Specifically,this paper puts forward measures and suggestions from three aspects,such as consumer supervision,Internet consumer credit platform supervision and Internet consumer credit market supervision.