Research On Legal Regulation Of "Campus Loan" Risk In Colleges And Universities

Since the emergence of "campus loan",due to its high profit,it has developed rapidly in various colleges and universities in China,which has produced a bad impact on college students,and the negative social effect brought by it has led to public condemnation from all aspects of society.Although various regulatory agencies and self-regulatory organizations have issued relevant policies to regulate its development and even banned it,it still fails to prevent its harm to college students.Therefore,the best way is to establish the risk prevention and control mechanism corresponding to "campus loan" and strengthen the self-prevention awareness of the potential group of "campus loan".The first part of the paper gives a brief overview of "campus loan".The connotation,legal attribute,manifestation and characteristics of "campus loan" are summarized.The harm of "campus loan" to students,colleges,families and society is analyzed.In the second part of the paper,the legal regulation of "campus loan" risk and the existing deficiencies are sorted out.First,the relevant laws on "campus loan" risk are not sound,with only some local provisions and no special laws to make unified provisions.Second,the supervision mechanism of "campus loan" risk is not sound,the supervision institution is not clear,the supervision responsibility is not clear.Third,the lack of legal regulation of "campus loan" service providers,mainly the lack of a unified credit system and market access mechanism,standardized operation mechanism and effective dispute resolution mechanism.In addition,colleges and universities basically have no relevant regulatory measures and response mechanism in the legal regulation of "campus loan" risk,and there are also legal regulation defects in the customer groups of college students.The third part of the paper puts forward several Suggestions to improve the legal regulation of "campus loan" risk.First,we should improve the legal regulation of "campus loan" risk.Secondly,the supervision mechanism of "campus loan" risk should be improved,and special supervision institutions should be established to make the supervision of "campus loan" specific and clear and operable.Third,the credit system,market access mechanism,operation mechanism and dispute resolution mechanism should be used to regulate "campus loan" service providers.At the same time,colleges and universities should clearly understand the risk of "campus loan",strengthen the online and offline dynamic monitoring and real-time warning,and strengthen the legal regulation awareness of college students' customer groups.In a word,this paper starts fromthe combination of perfecting the legal regulation of "campus loan" risk and strengthening the education of "campus loan" college students' customer group,and tries to guide "campus loan" to return to rational development,so as to provide convenience for college students and make the development of Internet finance more standardized.