On The Legal Regulation Of Campus Network Loan In China

Under the background of the "Internet Plus" era,Internet Finance has been written into the government work report for four times,Internet Finance has risen to the national strategic level and has been included in the National Development Plan.As an important part of Internet Finance,Campus Network loan has became the fastest growing area of the Internet Finance in recent years just because of the huge demand of students and market share under the influence of the Financial Inclusion National Policy.The Campus Network Loan Platform began to rise in 2013,and there had been more than one hundred by 2015.As a specific application of Internet Finance in campus,the development of Campus Network Loan has its own uniqueness which compared with the traditional lending.The new method of lending is very convenient and fast,it also can help students to relieve the economic burden.Of course,it also an important motivation of economic development in China.Because it has orient customers and market participants and managers are lack of the experience and methods,the Campus Network Loan,as a new industry,always has some problems.With the case of "naked loan",the Campus Network Loan became a social focus.Then,with development of research and report,we found more and more problems.Through the analysis of "naked loan" case,we can summarizes the legal relationship and problems among three legal subjects,and many illegal elements in the contract,interest rates,guarantees and the way to urge debt of the Campus Network Loan.We also can find that the methods of dispute settlement is much more difficult.The boundary line is unclear between the Criminal Law and Civil Law.In a word,the Campus Network Loan has a tendency of deformity development.However,there are various reasons for this deformity development of our Campus Network Loan.At present,our country has a long-term Financial Suppression Policy,and there is no perfect Credit System,and unsound legality and regulations,so there are always various problems in the operation and supervision of the Campus Network Loan Platform.At the same time,the students are short of the correct view of consumption and self-control ability.Meanwhile,the repayment ability is limited and the self-relief ability is poor.The judicial remedy procedure is more cumbersome while the dispute appears,and the non-litigation dispute resolution is not uniform and has single structure.Therefore,we need to make reasonable legal regulation on campus network loan in our country and explore a path which is suitable for the development of the Campus Network Loan on the basis of analyzing the reasons and problems and borrows the advanced experience of the West.Looking forward to the prospects of the Campus Network Loan,the legal regulation of the Campus Network Loan should have new ideas,we can't forbid completely.We should choose a reasonable path which is based on the recognition of the legal status of the benign Campus Network loan Platform.Then we can build a mechanism that the commercial banks and the campus network loan platforms can develop together.From the perspective of a specific system,we also need to unify local regulatory standards and regulatory systems,enforce the market access system strictly,improve the transparency of core information,regulate the interest rates and fees;also we need to limit the maximum of the net loans,establish a third-party fund custody system,and regulate collection activities.Then,it is necessary to create a good society and build a unified credit system.we also need to perfect the financial education mechanism and the non-litigation relief mechanism after the event.Through these ways,we can construct a reasonable legal regulation path of the Campus Network Loan,Internet finance has become a trend of the times,and the Campus Network Loan is a new model of Internet finance.Its existence and development is undoubtedly conducive to stimulating the economy.It will be an important driving force for the growth of our national economy.Although the Campus Network Loan shows deformity development,there is no problem in the essence.The Campus Network Loan will gradually return to rationality and normative development path thorns of the detours.