Research On Several Legal Issues Of Internet "Cash Loan" Regulation In China

The rapid advancement of Internet technology,the rise of the e-commerce industry,the continuous exploration of the breadth and depth of China's financial industry,the encouragement of inclusive financial policies,the influence of factors such as the development of young people's advanced consumption,have prompted China's Internet around 2015.Cash loans have grown rapidly.As a kind of credit business,the Internet“cash loan” is a double-edged sword.On the one hand,the emergence of “cash loan” on the Internet satisfies the loan demand of some consumer groups,fills the gap in the traditional financial consumption field,and also satisfies the general benefit.Financial policy trends,on the other hand,have produced a series of negative effects.Therefore,to play the positive role of the Internet "cash loan" and reduce the legal risk,it is necessary to regulate it.The research ideas of this paper are divided into three layers of logical structure.Firstly,the basic theory of Internet "cash loan" is discussed.Then,from the Internet "cash loan" platform,investors and borrowers,the legal analysis of Internet "cash loan" is carried out.Finally,it analyzes the regulatory issues of Internet “cash loans” from a macro perspective.First of all,in terms of basic theory,it discusses the concept of "cash loan" on the Internet,and analyzes related concepts to clarify the definition of the concept of "cash loan" on the Internet.On the platform of Internet "cash loan",investors and borrowers,study China The existing laws and regulations,found the legal problems of the "cash loan" in China's Internet,analyzed the problems,and combined with the actual situation in China,put forward the suggestions for the improvement of China's Internet "cash loan";macro-regulation;from the supervision body and supervision system From two angles,we analyze the defects of the existing regulatory system in China and put forward suggestions for improvement.