摘要
"裸条"这一现象的产生,不仅暴露了我国在大学生网络借贷问题上监管较弱,更深层次的问题在于反映了我国在金融消费者权益保护上还存在一定缺失,在债务催收监管上也存在立法空白。在金融业发达的国家和地区,信用贷款的借款人不仅是债务人,同时也被视为金融服务的消费者,受到相关法律的保护。因此,我国有必要在加强网络借贷平台监管的同时,出台专门的债务催收作业法,从而保障债务人同时作为消费者的合法权益。
The emergence of nude loan exposes that we need to strengthen the supervision of college students’online lending.Also,it shows that we still lack the protection of financial consumers’rights and interests,and there is a legislative gap in the supervision of debt collection.In developed countries and regions,the credit loan borrowers are not only debtors,but also consumers of financial services protected by relevant laws.Therefore,it is necessary for China to strengthen the supervision of online lending platform,and introduce a Debt Collection Practices Act to protect financial consumers’rights.
作者
缪若冰
MIAO Ruobing(Law School, Peking University, Beijing 100871,China)
出处
《成都理工大学学报（社会科学版）》
2018年第2期7-12,共6页
Journal of Chengdu University of Technology:Social Sciences
关键词
裸条
大学生
债务人
金融消费者
债务催收
nude loan
college students
debtors
financial customers
debt collection
作者简介
缪若冰(1988-),男,江西定南人,博士研究生,研究方向:金融法。
