Research On The Legal Supervision Of Campus Peer-to-peer Lending

In recent years,driven by economic interests,peer-to-peer lending platform has gradually penetrated into campuses.As huge potential markets,university campuses have attracted most of peer-to-peer lending platforms which have obtained rapid development in the campuses.As a result,the word "campus peer-to-peer lending" has emerged.Given current development situation,campus peer-to-peer lending has brought numerous social benefits to undergraduates,such as,solving the problem of student loans,offering venture capitals to undergraduates who have just graduated,satisfying crying needs and so on.However,it has also caused various social problems.For example,many undergraduates have developed comparing minds and extravagance style with excessive consumption.Some students even commit suicide for they fail to pay up the great amount of compound interests of loans?"nude loan" cases and so on.This shows that regulating campus network lending has become a problem that we have to pay attention to and think about.In April 2016,the ministry of education and the China Banking Regulatory Commission jointly issued circular on strengthening the risk prevention and education guidance work of bad network lending on campus.The "Circular" clearly pointed out that increase the network lending supervision of students,reflects that we increase emphasis on campus network lending,but did not form a complete legal norm,legal effect is low,and is only a "Circular" education and the CBRC released together,and has no enforcement for for every department and campus the network lending platform.So far,our country has no corresponding laws and regulations on the campus network lending,but it has only made some notices and broad regulations for the relevant departments.This paper mainly through the aspects of the campus network,different borrowing and lending network common problems and causes,how to strengthen the campus network lending regulation,using literature,comparative value method and field investigation method,conducts the research to the campus network to borrow the emergence of various problems,so that how to strengthen campus network lending the supervision.The author believes that to strengthen the supervision of campus network lending,not only need to improve relevant laws,to further refine the laws and regulations about campus network lending,also need to establish a sound credit system,strengthen the campus network lending industry self-regulation,introducing the standard lending platform to meet the needs of college students,and strengthen students themselves self-control.Through this study,let us further understand the campus network lending,strengthen the awareness of this problem,but also let more scholars and experts to strengthen the research in this area,to provide theoretical support for the day after the development of relevant laws.