英国高成本信贷市场的发展英国信贷市场是欧洲地区最有活力的市场之一,借贷主体成分复杂,利率灵活浮动。由于存在众多非银行类放贷人,尽管低收入群体、信用记录不良者、小额借款人或是超短期借款人很难获得正规金融机构贷款,但仍然可以获得高成本贷款。政府在严格审批、有效引导合法高成本信贷的同时,严厉打击高利贷等非法信贷行为,呈现出分类管理思路。高成本信贷属于消费者信贷范畴,主要面向个人借款者。英国消费者信贷体系分为放贷机构(或个人)、盈利性中介公 The development of the UK’s high-cost credit market The UK credit market is one of the most dynamic markets in Europe with a complex composition of borrowers and flexible interest rates. Due to the large number of non-bank lenders, high-cost loans are still available despite low access to formal financial institutions’ facilities for low-income groups, poor credit records, small borrowers or ultra-short-term borrowers. While strictly scrutinizing and approving effectively the credit for legal high-cost loans, the government cracked down on illegal credit acts such as usurious loans and presented a categorized management thinking. High-cost credit belongs to the category of consumer credit, mainly for personal borrowers. British consumer credit system is divided into lending institutions (or individuals), for-profit intermediaries