인문학
사회과학
자연과학
공학
의약학
농수해양학
예술체육학
복합학
DBpia AI
AI 에이전트
AI 아이디어
AI 리더
AI 뷰어
Citeasy
크롬 서지관리 다운로드
개인구독
소속 기관이 없으신 경우, 개인 정기구독을 하시면 저렴하게
논문을 무제한 열람 이용할 수 있어요.
지원사업
학술연구/단체지원/교육 등 연구자 활동을 지속하도록 DBpia가 지원하고 있어요.
커뮤니티
연구자들이 자신의 연구와 전문성을 널리 알리고, 새로운 협력의 기회를 만들 수 있는 네트워킹 공간이에요.
초록· 키워드
The increase in the number of households that are virtually shut out from taking bank loans correlates with the enormous growth in the private, non-banking loan business. As more consumers are taking out loans from private loan companies, regulations must be put in place to protect consumers from unfair and misleading business practices.
First, interest rates on consumer loans charged by lenders must be capped to reasonable levels. However, the interest rate ceiling should not broadly apply to all consumers loans in the industry. An alternative loan financing system administered by a public financial institution should be launched to provide consumer loans to low-income households so as to protect such households from turning to private loan companies.
Second, the business registration process for private loan companies needs to be revamped. Currently, individuals are not required to disclose the total financial and cash assets in their companies nor reveal the identities of controlling shareholders when applying for a private loan business license. In addition, individuals do not have to state the amount of shares they hold in the company in which they are applying for a license. The lack of such information makes it difficult to determine the identity of the actual individual or entity that is in charge of the private loan company.
Third, many TV commercials and printed advertisements that have been paid for by private loan companies to market their loans carry false and misleading information - some of which are illegal. Recently, private loan companies have diversified their marketing tactics beyond newspaper and TV ads by using mass e-mailings and ad banners to sell their loans. Current regulations must be revised to deal harsher punishment on private loan companies that are involved in illegal advertising practices.
Fourth, the current laws that restrict lending in amounts that exceed the individual's ability to pay back the loan need to be relaxed for low-income households.
Fifth, there is an effort to simply add more voluntary compliance clauses in the current self-regulatory environment for the private loan industry but it would not be as effective as enforcing the industry to comply to government regulations.
First, interest rates on consumer loans charged by lenders must be capped to reasonable levels. However, the interest rate ceiling should not broadly apply to all consumers loans in the industry. An alternative loan financing system administered by a public financial institution should be launched to provide consumer loans to low-income households so as to protect such households from turning to private loan companies.
Second, the business registration process for private loan companies needs to be revamped. Currently, individuals are not required to disclose the total financial and cash assets in their companies nor reveal the identities of controlling shareholders when applying for a private loan business license. In addition, individuals do not have to state the amount of shares they hold in the company in which they are applying for a license. The lack of such information makes it difficult to determine the identity of the actual individual or entity that is in charge of the private loan company.
Third, many TV commercials and printed advertisements that have been paid for by private loan companies to market their loans carry false and misleading information - some of which are illegal. Recently, private loan companies have diversified their marketing tactics beyond newspaper and TV ads by using mass e-mailings and ad banners to sell their loans. Current regulations must be revised to deal harsher punishment on private loan companies that are involved in illegal advertising practices.
Fourth, the current laws that restrict lending in amounts that exceed the individual's ability to pay back the loan need to be relaxed for low-income households.
Fifth, there is an effort to simply add more voluntary compliance clauses in the current self-regulatory environment for the private loan industry but it would not be as effective as enforcing the industry to comply to government regulations.
#서민금융
#대부업
#금융이용자
#과잉대부 금지
#대부업 광고규제
#Micorfinance
#credit business
#finance users
#Prohibition of Excessive Loan
#Regulation of Advertisement for Credit Business
상세정보 수정요청해당 페이지 내 제목·저자·목차·페이지정보가 잘못된 경우 알려주세요!
목차
- Ⅰ. 서설
- Ⅱ. 서민금융 개관
- Ⅲ. 이자율 규제
- Ⅳ. 영업상의 규제
- Ⅴ. 검사 · 감독기능
- Ⅵ. 결론
- 참고문헌
- 〈Abstract〉
참고문헌
참고문헌 신청최근 본 자료
UCI(KEPA) : I410-ECN-0101-2010-366-001387386
