| Consumer finance enterprise,a financial institution that has existed abroad for many years,is a new thing for our country.In 2009,the Bank of China’s Supervision and Administration Commission officially issued the "Measures on the Pilot Management of Consumer Financial Companies," and selected Beijing,Tianjin,Shanghai and Chengdu as the first pilot operating cities for consumer financial business.Ten new cities participated in the pilot project in 2013 and the consumer finance business was extended to the country in 2015.In recent years,China’s consumer finance industry has made good achievements,but in the supervision of consumer financial enterprises,there is still only a normative document of the "measures for the pilot management of consumer financial companies ",And the pilot management method itself has some limitations,but the credit mechanism,laws and regulations,risk control and other supporting facilities related to the supervision of consumer financial enterprises are not perfect.The future development space of consumer finance industry is still broad,towards compliance is the urgent demand this industry faces.In January 2018,the CBRC,in accordance with the relevant spirit of the Central Economic Conference,identified the top 10 specific financial risks that are urgently needed to be addressed,including the package Consumer finance included.Consumer financial enterprises engaged in consumer financial services serve low-and middle-income consumers,so how to control risks,how to give full play to the regulatory function and how to effectively supervise consumer financial enterprises,so as to ensure the healthy and orderly operation of consumer financial enterprises,so as to maintain a stable financial order and economic environment,is an urgent problem to be solved.This paper takes the government supervision problem of chongqing consumer finance enterprise as the research object,through the investigation and analysis of the current situation of the government supervision organization and the current situation of the supervision system of chongqing consumer finance enterprise,finds out the problems existing in the current government supervision: the lack of the implementation of the supervision policy,the insufficient supervision means and the insufficient coordination of the supervision department,and deeply analyzes the reasons for these problems.In view of the problems existing in the government supervision of consumer finance enterprises in Chongqing,this paper puts forward some countermeasures: to strengthen the implementation of supervision policy,to perfect and optimize the means of supervision,and to improve the mechanism of supervision.Through this series of measures to improve government oversight The efficiency and quality of management ensure the healthy and orderly operation of consumer financial enterprises and promote the development of the national economy. |
