Research On Legal Supervision Of Cash-out Risk Of Online Consumer Credit On E-commerce Platforms

In December 2017,the first case of using the “Ant Credit Pay” to cash out,which has received much attention from all walks of life,was sentenced in Chongqing.The Court sentenced the defendant Du Moumou to commit an illegal business operation,and sentenced him to appropriate penalties according to law.Since then,the relevant set is currently constituting a crime in judicial practice.While playing a deterrent role for potential lawless elements,it has promoted the healthy development of the e-commerce platform network consumer credit industry to some extent.However,we should recognize that the criminal law system has great limitations on the prevention and management of cash out risks.Only by strengthening the financial law supervision can we effectively achieve the effective prevention and control of the e-commerce platform network consumer credit cash out risk.At present,the legal supervision of cash-out risks is still faced with many problems such as the incomplete regulatory legislation,the imperfect regulatory system,and the need to improve the regulatory supporting system.The property rights of the network microfinance companies and their investors cannot be fully guaranteed.How to improve the e-commerce platform network consumer credit cash out risk legal supervision has become a difficult problem facing the regulatory level and scholars.Therefore,this paper mainly studies the legal supervision of the e-commerce platform network consumer credit cash out risk,use methods such as literature research,case analysis and comparative analysis,and try to point out the problems in the current supervision and propose corresponding suggestions by analysing the risk of online consumer credit cash out of e-commerce platform and the status quo of relevant legal supervision.In addition to the introduction and conclusion,this article is divided into the following five chapters.Chapter ?: An Overview of the Risk of Cash out of the E-commerce Platform Network Consumer Credit.This chapter starts from the phenomenon of "Ant Credit Pay" that is closely related to our daily life.It introduces the concept and legal attributes of e-commerce platform network consumer credit and the generation,common forms and social harmfulness of cash out risks.Chapter ?: The Current Situation and Problems with Legal Supervision of the Risk of Cash out of the E-commerce Platform Network Consumer Credit.On the basis of summarizing the laws and regulations related to the risk supervision of the e-commerce platform network consumer credit cash in China at this stage,we have found that the current supervision is still facing incomplete legal regulations,inadequate supervision systems,and insufficient supply of supporting legal systems,which is unable to meet the practical needs of the e-commerce platform network consumer credit cashing risk supervision.Chapter ?: Suggestions on Perfecting the Legal Supervision of the Risk of Cash out of the E-commerce Platform Network Consumer Credit.This chapter makes legal adjustments to the e-commerce platform network consumer credit cash out risk supervision mechanism from three aspects.First,build a legal system for risk management of e-commerce platform network consumer credit cash.Second,establish a risk monitoring mechanism for the e-commerce platform network consumer credit cash.Third,establish a supporting mechanism for risk management of e-commerce platform network consumer credit cash.In the end,a legal,reasonable and perfect legal supervision system for the risk of cash out of the e-commerce platform network consumer credit is formed.