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随着我国互联网金融的蓬勃发展,金融创新不断出现,现代贷凭借其无抵押、无担保、期限灵活、手续简便、到账迅速等优点获得了广大工薪阶层和大学生的青睐,市场发展迅猛,但是其高利率、高违约率也给行业发展带来了诸多问题,甚至引发了一系列社会事件。本文从我国目前现金贷发展现状出发,分析了其发展中存在的主要问题,并对如何规范行业发展提出了相关的对策。
With the vigorous development of Internet finance in our country, financial innovations continue to emerge. Modern loans are favored by the working-class and college students with their advantages of being unsecured, unsecured, flexible terms, simple formalities and quick accounts. The market is growing rapidly, however Its high interest rates and high default rates have also brought many problems to the development of the industry and even triggered a series of social incidents. Based on the current status of cash loan development in our country, this paper analyzes the main problems in the development of cash loan and proposes some countermeasures to regulate its development.