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随着1999年中央人民银行颁布《关于开展个人消费信贷的指导意见》,中国进入了个人消费信用时代,金融机构不断增长和金融产品多样化。然而金融产品的增长速度暴露了金融法规制定的一定滞后性,使得不法分子钻了法律的漏洞。笔者将于此文中分析我国个人金融市场中的若干弊病,提供相应的解决思路,希望可以为相关部门提供参考。
With the promulgation of the “Guiding Opinion on Carrying out Personal Consumption Credit” by the Central Bank of People’s Republic of China in 1999, China entered the era of personal consumer credit, the continuous growth of financial institutions and the diversification of financial products. However, the growth rate of financial products has exposed some lag in the formulation of financial laws and regulations, making criminals make legal loopholes. In this paper, I will analyze some shortcomings in China’s personal financial market, provide the corresponding solutions, I hope we can provide reference for the relevant departments.