我国消费金融公司立法发展研究

在国外，消费金融公司已在个人消费信贷领域形成与商业银行的个人贷款业务、信用卡业务三分天下的局面。我国消费金融公司立法始于2OO9年，2O13年《消费金融公司试点办法》对消费金融公司主要出资人、业务经营和审慎监管等规定予以修改。为保障消费金融公司发展，我国应当提升立法位阶，制定《消费金融公司条例》，完善市场准入与退出机制，加强风险的内部控制，规范金融监管制度，强化借款人权益的法律保护。

Study on the Legislative Development of Consumer Finance Company in China

In abroad, the field of consumer credit is divided into three parts：the consumer finance company, personal loans of commercial banks, the credit card business. The legislation of Chinese consumer finance companies began in 2009. In ＂Consumer Finance Companies Pilot Approach＂ in 2013, the requirements of the major investors, business and prudential supervision have been revised. To protect the development of the consumer finance company ,China should improve the legislative rank,formulate the Consumer Finance Companies Ordinance,improve market access and exit mechanism, strengthen internal risk control, regulate the financial regulatory system, and strengthen the legal protection of the borrower rights and interests.