The Legal Supervision Of Campus Network Loan In China

Campus network lending is a kind of the network loans which serving the college students,is a kind of private lending,is a kind of direct borrowing which based between the lender and college students,with a convenient,small size,The problems of usury,nudity,campus promotion and illegal dredging in the campus network loan have seriously affected the study and life of college students,seriously disrupted the order of the campus,the platform did not strictly fulfill the obligations,the lender defaulted,the right of claim of the lender is not guaranteed and other security rights have strictly violated the legitimate interests of the lender,which require an effective legal supervision of campus network lending.Campus network borrowing involves three parties: lender,network lending platform,college students,the formation of different legal relationship between the three,each with different rights and obligations.The different nature of the network lending platform positioning,determines its rights and obligations,but also determines the legal supervision,which is the specific object of legal supervision.For the status of China's campus network lending legal supervision,there have been some of the provisions of the law,but mainly some departmental rules and opinions,and did not provide specific regulatory rules,but also need to further improve;The status quo of supervision includes the main body of supervision,the object of supervision,the way of supervision,in which the supervisory authority needs to be further clarified,the rules of market entry need to be further improved,the protection mechanism of consumer rights needs to be further improved,and the industry organization needs to play a further role.Through the study of the legal supervision of network lending between the United States and Britain,it is found that foreign legal supervision is based on the improvement of personal and corporate credit system and the establishment of specialized financial consumers rights protection organizations,and these two aspects is precisely the place which the legal supervision of our country need to learn from.This paper puts forward some suggestions on how to develop unified Internet financial law and perfect other relevant legal provisions from the legislative level.This paper puts forward the idea of further clarifying the supervisory authority and improving the market entry rules,To strengthen the protection of consumer rights and interests,to speed up the construction of credit system recommendations from the law enforcement level.,from the law-abiding level to strengthen the role of industry self-regulatory organizations to promote the recommendations of the campus financial education.