Study On The Government Supervision Of The Internet Lending For University Students In Quanzhou City

With the continuous development of economy of network and technology,the increase in the number of lending to P2 P network platform,which aimed at college students' network loan product is not in the minority.But college students have no fixed income,some network lending products no repayment ability for college students to review,and there is no specified for the charging of interest,lead to college students after borrowing,unable to repay huge interest,causing all kinds of tragedy.Therefore,the government borrowing on college students' network for effective supervision has become a urgent problem.In this paper,according to the thinking of problem,to analyze and solve problems,mainly using the methods of literature study,investigation study of students in quanzhou city campus network lending the government regulation of analysis research,and puts forward relevant countermeasures and Suggestions.This article first expounds the quanzhou lending to the campus network of university students at present,starting from the status quo analysis of quanzhou city college campus network borrowing the current situation of government regulation,mainly from the main mechanism of government regulation and supervision of laws and regulations,supervision of the main measures and the use of government regulation of auxiliary mechanism to illustrate;Quanzhou city second in-depth college campus network borrowing main problems of government regulation,regulatory agencies,regulatory functions more weak,the relevant regulation is not perfect,government regulation measures are inadequate,such problems as lack of government regulation of auxiliary mechanism;Analysis of quanzhou college campus network again lending reasons for problems occurred in government regulation,lack of effective coordination mechanism mainly include regulatory body,defects of the existing laws and regulations,government regulation is not comprehensive,social participation is not high,and then draw lessons from the guangzhou government regulation borrowing the effective experience of the campus network,college students to quanzhou campus network borrowing government regulation to provide reference experience.Paper quanzhou city to perfect the government regulation college campus network borrowing puts forward some countermeasures and Suggestions,mainly to promote government supervision,establish and improve the subject's play of function of the government regulation of laws and regulations,strengthen government regulation,perfecting the government regulation of auxiliary mechanism.College campus network lending itself on the positive side,to study,to have economic difficulties and business needs of college students provides a simple platform operation,however,the disadvantages of its own also nots allow to ignore.Lending to the government's response to college campus network intensify supervision,actively improve the relevant legal measures,strict punishment of the illegal borrowing of campus network,and give full play to the government regulation of auxiliary mechanism,be regulations in place to achieve healthy and orderly development of campus network lending market.