Comprehensive foreign media report  The official website of the Belgian Institute of International Economics, Belgium, published an article by Maria Demertzis, deputy director of the research institute, published on May 17th.，EU should strengthen supervision of fintech companies。

With the development of e -commerce，"Buy first and then pay" and other sales financing solutions gradually popularized，The share of financial technology companies in the market has also continued bet365 live casino games to increase。Different from traditional credit，Through financial solutions such as "consumer loan"，Consumers can be in the case of not before the credit censorship，Get a certain free credit amount in a certain period of time。The burdens and convenience characteristics of such schemes or payment systems and their concise and easy -to -understand operation methods，It has a greater attractiveness to many consumers。By providing consumers with installment payment services，The number of online retailers can increase by about 30%。

Demerizes said，Fintech companies operating these platforms generally have two types of profit channels，bet365 live casino games One is to charge the merchant fee，The other is to charge consumers fees。Although the possibility of providing installment payment for consumers，accessing relevant platforms can help merchants increase sales，But from a social perspective，Whether this sales increase can be sustainable，It is difficult to judge in the short term。Related surveys show，Nearly 70%of the "Buy first and then pay" user recognition，They have no ability to pay off the cost of buying goods at one time。In the United States and Britain，More than 40%of the "buy first and then pay" users due to difficulty repaying debts or delayed payment，and was charged with surcharges。

Bet365 app download The "Aboriginal" of the Internet came into contact with digital technology when he was very young，and digital technology、The Internet is naturally close，It is also a person with more payment systems such as "buy first and then pay"，But their financial knowledge reserves are often not rich enough，Social experience is not enough。Due to delayed payment and other problems，They may face the risk of debt spiral risks。

From the view of Demolzis，Although the existence of these financial technology companies has enhanced financial tolerance，But because they often simplify credit review procedures，No credit censorship，So compared with the traditional institution that provides bet365 best casino games credit services，Related platforms are more likely to attract people with lower repayment capabilities。If they are allowed to grow disorderly，It may lead to financial bubble，serious systemic effects on consumers，Therefore, it is urgent to strengthen the supervision of fintech companies，in order to better protect consumer rights。

(Yao Xiaodan/Compilation)