The deepening of information technology such as the Internet,big data and artificial intelligence,has greatly promoted the innovative development of Internet consumer finance,but it also brought many risks.However,at present,the Internet consumer financial risk is mainly divided from the perspective of illegality,but not from the perspective of law.Based on the analysis method of"the relationship between subject and object"from the perspective of law,the Internet consumer financial risk can be systematized and deconstructed into subject risk and object(behaviour)risk.The former includes operator eligibility risk and consumer eligibility risk,and the latter includes operator's unfair competition risk and consumer's default credit risk By fully drawing on the experience of legal regulation of Internet consumer financial risk in different legal systems abroad(the United Kingdom,the United States,Canada,Germany,Japan and South Korea),this paper comprehensively constructs the legal regulation of Internet consumer financial risk in China from the perspective of legal regulation system and legal regulation path.
关键词
互联网消费金融/法律规制/金融风险/金融科技/规制体系
Key words
Internet consumer finance/legal regulation/financial risk/financial technology/regulatory path
维普
万方数据