| 日本"消金三恶"与治理研究 |
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| 引用本文： | 孙章伟,王聪. 日本"消金三恶"与治理研究[J]. 现代日本经济, 2011, 0(1). DOI: 10.3969/j.issn.1000-355X.2011.01.006 |
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| 作者姓名： | 孙章伟 王聪 |
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| 作者单位： | 1. 电子科技大学中山学院,广东,中山528402
2. 暨南大学经济学院,广东,广州510632 |
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| 摘 要： | 日本经济高速发展期间,贷金业对扩大内需、提升消费率、推动经济增长意义积极.由于贷金业长期未被纳入正规金融体系,加之监管缺位,过高利率、多重借贷和暴力追债的"消金三恶"日渐猖獗,导致消费者福利损失.在"消金被害者运动"推动下,日本形成了有效的"消金三恶"治理模式,包括政府制定和完善<贷金业法>,设立多重债务者对策本部,设立贷金业协会负责具体监管等.我国消金市场发展可借鉴日本经验,重视地下金融阳光化、最高利率限制和多重债务有所调整、金融消费者保护以及"现代的贫穷"等问题.
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| 关 键 词： | 贷金业 消费金融 消金三恶 消金被害者运动 贷金业法 |
Research on Japan's "Three Evils of Consumer Finance" and Government Governance |
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| SUN Zhang-wei,WANG Cong. Research on Japan's "Three Evils of Consumer Finance" and Government Governance[J]. Contemporary Economy OF Japan, 2011, 0(1). DOI: 10.3969/j.issn.1000-355X.2011.01.006 |
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| Authors: | SUN Zhang-wei WANG Cong |
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| Affiliation: | SUN Zhang-wei1 WANG Cong2(1.College of Zhongshan,University of Electronic Science and Technology of China,Zhongshan,Guangdong,528400,China,2.College of Economics,Jinan University,Guangzhou,510632,China) |
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| Abstract: | Money lending business had considerably contributed to the Japanese domestic demand,consumption and economy during the high-growth stage.However,its absence fromthe formal financial systemand supervision finally led up to a rampancy of three evils of consumer finance,which was featured by high interest rates,multiple debt issues and forcible debt collection,and hurt consumer welfare seriously.As a consequence of the victim campaign of consumer finance,Japan developed an effective model to control the thr... |
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| Keywords: | Money Lending Business Consumer Finance Three Evils of Consumer Finance Victim Campaign of Consumer Finance MLB Law |
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