我国引入消费金融公司的法学思考

摘要

The consumer finance company is a product of government intervention against financial crisis .It is aiming to provide consumption -oriented loans for low or middle -income population .On its nature of law , it is a special profit-making non -banking -financial insititution, managed and supervised by the China Banking Regulatory Comission , which so as to own special legal ties to the commercial banks , the distributors and the borrowers .Among these legal rela-tions, however, there still exists several legal problems needed to be resloved in its operation modes , supervision patterns and so on.%消费金融公司是国际金融危机之下国家干预经济的产物，其宗旨是为中低收入人群提供以消费为目的的贷款。消费金融公司在法律性质上是一个特殊的营利性非银行金融机构，受银监会的管理和监督，与商业银行、经销商、借款者之间有着特殊的法律关系，在运行、监管和业务模式等方面都还存在诸多需要解决的法律问题。