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 Finance in the New Era

This publication provides an in-depth examination of the current state and future prospects of ESG (Environmental, Social, and Governance) in both domestic and global markets. The first section serves as an Introduction, defining and establishing the framework for ESG Practice and ESG Investment. The second section delves into ESG Practice, providing an analysis of related topics such as the foundation of management economics, industry variances, and performance disclosure through real-world corporate case studies. The third section focuses on ESG Investment, exploring investment strategies, products, financial returns, and investment motivations based on observations of both domestic and international market developments. The fourth section covers ESG Data and Performance Evaluation, discussing relevant data sources, investor responses, and product performance disclosure based on the latest advancements in the field. The fifth and final section is dedicated to ESG in China, focusing on the domestic market and exploring issues such as retail investors, investor composition, excess returns, and carbon neutrality targets.