Research On Legal Risk Prevention Of Scenario Consumer Finance

Consumption has a supporting and leading role in driving economic growth and realizing a modern economic system,financial technology and consumption scenarios are deeply integrated,the development and risk prevention of scene consumer finance are also facing more complex requirements,its rapid development from the initial stage to the current standardized operation,which faces not only financial risks,but also the legal risk prevention of scene consumer finance under the background of rule of law government construction also needs to be solved simultaneously.However,due to the lack of systematic research on scene consumer finance,the lack of pertinence in the legal norms of risk prevention,and the weak legal awareness of all parties,it is particularly important to prompt and prevent legal risks in each link in the operation of scene consumer finance.In recent years,long-term rental apartments have developed rapidly,and the "rent loan" model of long-term rental apartments has the typical characteristics of scene consumer finance,which is used as the entry point of scene consumer finance,case analysis is carried out,combined with the current domestic laws and policies,and the comparative research method,historical research method and inductive reasoning method are used to analyze the legal risks of scene consumer finance,breaking through the traditional research only from the perspective of financial risk,and focusing on the causes of legal risks under the operation mode of scene consumer finance,and putting forward corresponding risk prevention suggestions.Through studying the operation mode of scenario consumer finance,analyzing the relationship between various subjects,there are mainly legal risks in the operation process of scenario consumer finance,such as criminal offenses suspected by the consumer service provider of illegal disclosure of consumer information,fraud-like crimes suspected by the consumer service provider,and consumers losing lawsuits due to insufficient evidence to defend their rights,and analyzing the causes of legal risks.In light of the actual situation in China,feasible solutions to prevent the legal risks of scenario consumer finance are proposed in terms of strengthening the credit risk evaluation mechanism,establishing a risk big data early warning system,building a multi-level credit collection system,establishing an information protection mechanism and improving the financial supervision system.