Research On The Legal Issues Of Supervision Of College Students' "Campus Loan"

Under Internet finance,there is a model called "Campus loan" in Peer-to-peer network lending,which is a new type of trading model specially designed for college students' consumption demand and financing needs.At the beginning of its birth,"campus loan" which is a kind of easy and quick access to funds,don't need guarantee of the credit loan model and the low interest rate in the slogan quickly,therefore,it becomes popular in universities.But with the advent of repayment deadlines,the fact that extremely high interest rates,violent reminders and illegal repayment patterns have exposed the problems of this emerging industry.This undoubtedly exposes the problem of supervision,the existing regulatory model still exists loopholes,for this reason,the need in the context of Internet finance,around the "campus loans" new problems,to seek effective solutions,in order to improve supervision at the same time,to ensure the healthy development of emerging industries.This paper uses the literature research method,the positive analysis method and the comparative research method to analyze the legal issues of the "campus loan" of college students from many angles.The first part of this paper gives a brief overview of the "Campus loan" supervision theory of college students.First of all,a brief analysis of the meaning of "campus loans",and the "campus loan" transaction between the two sides to define the content of their rights and obligations,clarify the differences.And discuss the operation mode of "campus loan",explore the characteristics of "campus loan" is strong,low threshold and asymmetric information.Secondly,this paper analyzes the characteristics of college students,and puts forward the characteristics of their lack of stable economic sources,no good consumption habits and psychology,and lack of necessary social experience and financial knowledge,which are different from the general consumers.Finally,this paper expounds the influential financial supervision theory,which provides a theoretical reference for the study.The second part of the paper analyzes the problems exposed by the university Students ' campus loan supervision,and probes into the operational risk,market risk,credit risk and legal risk.According to the above analysis,it points out the defects of the existing laws and regulations,the incomplete supervision system,the immature psychology of college students and the lack of relevant knowledge,and the existing system can not promote the effective settlement of disputes and other reasons,through the analysis of the reasons,in order to think of an effective solution.The third part of the paper combs the foreign countries related supervision experience,try to find some experience can be used for reference in our country.The last part of the paper puts forward some suggestions on how to perfect the supervision of college students ' "Campus loan",which mainly includes constructing Internet financial supervision law system,deepening supervision of internet financial industry,perfecting responsibility investigation mechanism and strengthening the relevant education and protection to college students.In a word,the thesis tries to start from the angle of perfecting supervision,and makes the Internet financial products such as "Campus loan" return to rationality,ensure its healthy and orderly development,and finally make the whole internet financial industry more standard.