[1]刘嫣.美国校园贷的金融监管及启示[J].扬州职业大学学报扬州教育学院学报,2020,(职大01):32.
　LIU Yan.The Financial Supervision of American Campus Credit and Its Enlightenment[J].Journal of Yangzhou Polytechnic College,2020,(职大01):32.
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美国校园贷的金融监管及启示()
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《扬州职业大学学报》《扬州教育学院学报》[ISSN:1008-3693/CN:32-1529/G4]

卷:
期数:
2020年职大01期
页码:
32
栏目:
出版日期:
2020-03-30

文章信息/Info

Title:
The Financial Supervision of American Campus Credit and Its Enlightenment
文章编号:
1008-3693(2020)01-0032-05
作者:
刘嫣
江苏师范大学，江苏徐州 21116
Author(s):
LIU Yan
Jiangsu Normal University, Xuzhou 221116, China
关键词:
校园贷; 运作模式; 全融监管; 美国消费者金融保护署(CFPB); 启示.
Keywords:
campus eredit;  operating mode ;  financial supervision;  CFPB;  enlightenment
分类号:
F 837.12; G 645.5
文献标志码:
A
摘要:
美国的校园货市场相对比较成熟,由美国消费者金融保护暑(CFPB)实施的金融监管与风险防控也相对完善,主要开展校园贷教育服务,处罚校园贷机构违规行为,建立校园贷投诉处理机制,开展校园贷市场监测研究等。中国可以借鉴美国做法,构建中国特色的综合监管主体,建立规则统一的监管制度体系,完善借贷双方风险监控机制，有效保护借贷双方权益,促进校园贷健康发展。
Abstract:
Abstract: The campus credit market in America is relatively mature, and the finaneial supervision and risk control and prevention implemented by the CFPB is also relatively perfect, with a focus on developing education services of campus credit, punishing ilgal behaviors of campus credit institutions, establishing mechanism to handle complaints against campus credit and canying out researches into monitoring campus loan markets. This paper presents some corresponding suggestions, such as learning from the practice of America, constructing a comprehensive regulatory body with Chinese characteristics, establishing a regular and unified supervision system, and improving the risk monitoring mechanism for both borrowers and lenders, hoping to effectively protect the lenders’and borrowers’ rights and interests and promote the healthy development of campus loans.

参考文献/References:

[1]章睿丰.关于中美校园贷款市场的比较分析与启示[J].金融经济,2018(22):120 - 122.
[2]ROHIT C. Student Debt Swells, Federal Loans Now Top a Tillio[ EB/OL]. (2014 -01- 18)[2018 -08- 28]. https:// www. onsumer finance. gov/ about -u8/ neweroom/ student - debt - swells - federal - loans-now-top-a-tillion/.
[3]贺凯然. 从“庞氏骗局”看大学生校园贷款[J].时代金融,2019(14):115-116.
[4]孙美玲. 大学生校园网络贷款的风险与防范[J].法制博览,2017(30) :222.
[5] RAJ DATE. Student Loans: Know Before You Owe[ EB/OL]. (2018-11 - 16)[2019- 04 - 13]. http:// www. consumer finance. gov/about - u8/ newsroom/ student - loans - know - before - you - owe/.
[6 ] CFPB. CFPB Takes Aotion Againet Wella Fargo for Ilegal Student Loan Sericing Practices [ EB/OL].(2019-01 - 12)[2019 - 07 - 04]. https://www.consumer finanee. gow/about - u8/ news room/ efpb -takes- action - against - wells - fargo - ilgal -student - loan - servicing - practios/ .
[7] CFPB. CFPB Takes Action to End Student“Debt Reliefr" Scams[ EB/OL]. (2018 - 07 -09)[2019-02 -19]. https://www. consumer finance. gov/about - us/ newsroom/efpb - takee - action- 1to - end - student -debt - relief - scame/.
[8] CFPB. Sudent Loan Payback Playboo [ EB/OL].(2018-11 -05)[2019 -04- 11]. htp://files. consumer finance. gov/Vdocuments/201904 -efpb -student - loan -playbooks; - webaite. pdf.
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备注/Memo

备注/Memo:
作者简介:刘媽(1998- ),女,江苏师范大学金融工程专业学生。
更新日期/Last Update: 2020-04-29