本文首先论述了我国现金贷市场的发展现状，并与美国的发薪日贷款、汽车抵押贷款等几种主要现金贷产品进行了对比分析。随后，分析了美国现金贷产品所存在的违约率、重复借贷率及延期还款率极高的突出问题，并从联邦到地方的监管框架、防范“债务陷阱”等方面分析了美国的监管政策。最后，根据美国监管政策的经验，对中国现金贷业务监管提出了政策建议。
This article first discusses the current development of the cash loan market in China，and compares with several major cash loan products such as payday loans and auto-title loans in the United States.After that，this article analyzes the outstanding problems of the default rate，repeated borrowing rate and deferred repayment rate of the cash loans in the United States.This article analyzes the supervision policies of the United States from the federal to local framework and the policy against the“debt trap”.Finally，based on the experience of the U.S.supervision policies，this article puts forward suggestions on the supervision of the cash loan business in China.
