Solving the Puzzle of the Personal Loans Industry via Law and Fintech

Given the high level of personal loan defaults in recent years, stakeholders are finding it increasingly difficult to eliminate risk. At the same time, as laws and financial technologies are rapidly evolving and expanding to cover a greater range of application scenarios, personal loan disputes are now largely dealt with via legal proceedings. Therefore, it has partly optimized traditional ways of handling personal loan cases, guaranteed stakeholders’ legal rights and interests, and advanced the development of a high-integrity law-based society. Based on the research and analysis of related laws and fintech applications from China and beyond, this book offers nine specific suggestions to resolve individual credit risk through the application of law and fintech, four suggestions on how to develop well-regulated third-party law and fintech platforms, and an outlook for future growth of the industry, aiming to provide useful references to address commonly seen issues in personal loans.

ESG Ratings for China’s Urban Development

The ESG Ratings for Urban Development presented in this publication are formulated based on the contemporary public management's urban development performance evaluation and ESG macro rating framework. This rating system represents an innovative and sustainable approach to assessing urban resilience, incorporating critical factors such as Governance, Economy, Ecology, People's Livelihood, and Civilization.