Research On The Legal Problems Of Campus Lending And Its Regulating Measures

In recent years,In the background of "Internet +" national development strategy,loan on campus have also thrived as a strategic part of Internet finance.This paper studies two progressive objective.First of all,clear and definite the basic characteristics of Peer-to-peer lending on campus,the serious consequences and social problems caused by the factors that affect them.Secondly,it is clear about the legal issues and violations of law appearing in campus loans.we draw the legal way to regulate our peer-to-peer net lending on campus.The purpose of the study determines the basic content of this paper.The research content of this article is to analyze the causes of the problem of loan on campus,through the social investigation and analysis,to reveal the problems of the campus lending platform in our country and put forward the suggestion of standardizing the market order and perfecting the laws and regulations on campus loans.According to the purpose and basic content of the study,the structure and chapter of the text of this article is determined.This article includes a total of four chapters.The first chapter is the introduction,which mainly elaborates the origin of the research of this article,the theoretical significance of the study and practical significance of the dissertation,and Research difficulties and deficiencies.The second chapter defines the concept of net loan in campus from the research purpose of this subject.Secondly,it introduces the development of the main format of the campus net loan and the current status quo of supervision.The third chapter analyzes and collects statistics data through the empirical investigation and data collection,summarizes the main illegal issues that arise during the process of campus lending.It interprets the latest normative documents of the state and summarizes the regulatory concepts conveyed by the documents.The fourth chapter puts forward some suggestions on the supervision of campus network credit.It analyzed from three different aspects: improve laws and regulations,strengthen judicial guidance and law enforcement cooperation,establish and improve credit information system and information disclosure system,and further explains why it can help to guide the rational development of the online credit industry and improve the overall operation of the financial system.