A Study On The Legal Questions Of Online Lending In Colleges And Universities

In the development period of inclusive finance in China,traditional financial institutions have realized transformation.With the strong demand of the university financial market and the collision between the traditional network lending mode,The unique new mode of college network loan arises at the historic moment.College network lending through the transformation of traditional business model,Not only to meet the urgent consumer needs of contemporary college students,It also lays a foundation for the development of college network lending,However,due to the rapid development of new college network lending model and industry level is uneven,As a result,the online lending of colleges and universities falls into chaos.It is supposed to improve the self-discipline of the online loan financial industry in colleges and universities,In order to effectively promote the benign development of the online loan industry in colleges and universities,it is necessary to clarify the supervision responsibility of the supervising subject.College online lending is a new industry born from the integration of Internet technology and traditional finance,Due to the current legal regulation of college students' online consumption finance,Sector regulation is relatively lagging behind industry regulations are not perfect The unsound credit investigation of individual citizens and the lack of protection mechanism for the rights and interests of online loan transaction subjects of colleges and universities lead to legal risks in various fields.From the analysis of the definition of college network lending characteristics and shortcomings,This paper analyzes in detail the causes of the main problems existing in the network lending of colleges and universities in China as well as the hysteresis of the existing laws,This paper also discusses the current situation of online lending in American colleges and universities,and analyzes the measures taken by foreign countries to solve related problems with the emphasis on sofi platform in the United States,It is suggested to use the existing operating model of sofi platform in the United States for reference and integrate it with the particularity of online lending in colleges and universities in China,So as to solve the existing legal problems of our university network lending,In view of the current situation of China's colleges and universities online lending innovation related legislation ideas,improve the relevant laws and regulations to promote the benign development of China's colleges and universities online lending market,In order to improve college students' awareness of risk prevention,college students should be able to make rational use of college network loans,As well as increase the financial education for college students so as to popularize relevant financial knowledge,and to provide legal relief for college students suffering from online loan,From the above aspects to improve our college network lending chaos and explore travel and effective solutions.