Build a Financial Supervision System to Promote the Sound Development of the Loan Facilitation Industry
The loan facilitation business has fully utilized the role of data and technology to help financial institutions expand their customer base,expand their business areas,and reduce operating costs.It has become an important supplement to China's financial system and a beneficial attempt at inclusive financial reform.However,there are still issues of unclear policies and incomplete systems at the national level of supervision,resulting in several"blind spots"in supervision.This has led to a series of problems and industry chaos in the rapid development of the loan facilitation industry,such as excessively high loan interest rates,excessive risk-taking by institutions,illegal customer acquisition,and derivative social risks.It is recommended to focus on clarifying the top-level design and regulatory policies at the national level,establishing cross-regional regulatory coordination mechanisms,exploring inclusive self-regulatory management models,implementing the primary responsibility of loan facilitation institutions,building intelligent regulatory platforms,and comprehensively managing illegal and criminal acts in the industry.We should continue to improve China's loan facilitation industry regulatory system,promote the sound development of China's loan facilitation industry,and better serve the real economy.
NETL
NSTL
万方数据
