Research On Legal Problems Of "Campus Credit" In China

With the continuous advancement of China's economy and the continuous maturity and improvement of science and technology,China's financial industry is also advancing constantly.Especially after the launch of the "Inclusive Finance" policy,the financial industry has ushered in a new stage of development.In this case,the "campus loan" has also been greatly developed.According to statistics,from 2010 to 2015,the number of "campus loan" platforms increased from 0 to 896."Campus Loan" can provide student loans for poor students to help them successfully complete their studies;"Campus Loan" can provide entrepreneurial funds for college students who lack entrepreneurial funds to realize their entrepreneurial dreams;"campus loan" can make college students contact in advance Financial society,enriching its social experience,and so on."Campus loan" has so many functions and values,but it really makes people enter the line of sight,but it is all kinds of negative news.Since 2013,"naked loan","fraudulent loan","usury loan","MLM" At the same time,the "campus loan" was pushed to the cusp of public opinion,and became a flood of beasts.After the "campus loan" platform was spurred in 2015,various campus chaoss were frequent and challenged people's bottom line and tolerance.Under such circumstances,various departments continued to issue relevant regulations and guidance to govern.This kind of chaos,which has achieved certain results to a certain extent,can be seen from the number of "campus loan" platforms.As of the beginning of 2017,there were only 74 online lending platforms in China engaged in "campus loan" business.However,the development of "campus lending" is too rapid,leading to a gap in supervision and a serious lag.These measures have not fundamentally eliminated the "campus loan" chaos,but have made it more subtle.The face is turned into the ground,and some even wear legal coats for illegal activities,and the consequences are even more serious.In 2018,China began to carry out a special campaign to eliminate evils and eliminate evils in various countries,and to rectify the chaos in various industries.The microfinance industry is the key governance industry.The two high and two departments jointly issued judicial interpretations clearly stipulated for private lending.The "criminal debt increase","discretionary default","false lawsuit" and other illegal and criminal acts must be severely cracked down.The Supreme People's Court directly indicates that the private lending contract based on lending is invalid.To a certain extent,it has obvious effects and significance on the governance of "campus loan".However,"campus loan" has its own particularities and differences compared with other private loans.These general measures are difficult to completely cure "campus".Loaning.This paper selects the "campus loan" as a social concern,and conducts in-depth research and analysis from the perspective of legal supervision.It hopes to seek the method of regulating "campus loan" from the perspective of law to reduce the "campus loan" chaos.Produce and play its due value and role.First of all,in order to carry out legal research and analysis,this paper introduces the basic situation related to "campus loan" and defines the concept of "campus loan".On this basis,it briefly analyzes its basic characteristics and the reasons for its rapid development.The focus is on the legal value of "campus lending" to explain why it is only a legal regulation of "campus lending" rather than an absolute ban.Secondly,based on the case interpretation method,from the typical case,the current status and problems of the "campus loan" in China and the necessity of supervision are analyzed.Third,only by comparing "campus loan" into the vast world of vision,we can find out our own shortcomings and seek advanced experience and practices for reference.Therefore,this section mainly introduces the "superior campus loan" of advanced countries outside the country.The basic situation.Finally,in the case of discriminating against oneself,with reference to relevant foreign successful experiences,the author has clarified the basic problems of the legal supervision of "campus loan" and perfected the legal supervision of "campus loan".Measures and suggestions for improving the security system related to "campus loan" have proposed solutions and suggestions to make them use their strengths and avoid weaknesses and develop healthily.