On The Legal Regulation Of Campus Network Loan In China

With the rapid development of Internet finance,loans are not only for the subjects with good credit,but also for college students who have not entered the society.A kind of loan product called "campus network loan" began to appear in the university campus,which is different from the traditional financial loan."Campus network loan" has the characteristics of simple application procedure,fast receipt of accounts,small application amount,etc.However,due to the imperfection of the credit system,the immaturity of the subject mind of college students and the imperfection of laws and regulations,there are various problems in the development process of "campus network loan",which even involves criminal law crimes,causing serious damage to the social order.This requires us to pay attention to these problems and take effective measures to regulate the development of "campus network loan"."Campus network loan" mainly involves three parties: lender,network loan platform and borrower.This paper intends to analyze the risks of these three parties,and find out the deficiencies of supervision,such as the lack of clear supervision subjects,imperfect legislation and lack of self-regulation in the industry.In view of the deficiencies,some countermeasures are put forward,such as clarifying the main body of supervision through legislation,strengthening the legal supervision of lenders,and strengthening the awareness of legal risk and self-protection of college students.This paper is mainly divided into four parts.The first part is mainly from the basic concept and characteristics of campus network loan.Campus network loan is characterized by low threshold,no guarantee,fast and convenient,and crossing geographical obstacles.Because campus network loan is developed from network loan,it also discusses the similarities and differences between campus network loan and three kinds of small loans.Then it introduces the operation mode of campus network loan and the hot cases this year,and analyzes the possible criminal and civil legal issues through the cases.The second part briefly describes the concept of campus network loan and the difference between it and other network loans,compares several campus network loan operation modes,evaluates and analyzes the reasons for the biggest risk involved in P2P mode of campus network loan,analyzes the current development of campus network loan with the help of a case,and analyzes the civil and criminal issues involved in the case.The third part focuses on the analysis of the current situation and shortage of campus network loan,which mainly focuses on three aspects: legislation,supervision and supporting facilities.The fourth part,according to the deficiencies pointed out above,puts forward countermeasures to improve the legal rules of campus network loan,mainly from the perspective of administration,criminal law and other laws.