The Legal Supervision Of Campus Network Loan In China

Campus network lending is a direct borrowing between a lender and a college student,targeting the group of college students and using the Internet as a medium.The existence and development of campus network lending conforms to the trend of the times and meets the needs of the society.However,students of special consumer groups have insufficient knowledge of campus network lending,poor consumption control ability,and some online lending platforms are not formal or even illegal.This has led to the phenomenon of usury,bare loans,illegal dunning and so on.The best way to solve these problems lies in reasonable grooming,not blocking.Therefore,constructing a legal supervision system that meets the actual needs is an important guarantee for promoting the healthy and sustainable development of campus network lending.This paper uses the comparative method,questionnaire survey method and legal hermeneutics to analyze the relationship between campus network lending and ordinary online lending,summarizes the particularity of campus network lending,investigate the status quo of campus network lending in Area A,and the necessity of establishing a supervision system for campus network lending was given,also.On this basis,this paper sorts out the relevant legal norms of existing campus network lending supervision,The study found that the responsibilities of the supervision of the campus network lending in China are not clear,the market access rules are not perfect,the information review system is not standardized,the industry organization has not played an effective role,and the credit information system is imperfect.In view of the above problems,this paper proposes that the regulation of China's campus network lending requires the various regulatory agencies to formulate specific regulatory rules,coordinate and cooperate with each other to achieve effective supervision,improve the registration and filing system and market access rules for online lending platforms,standardize the qualifications of employees,protect the legitimate rights and interests of college students;improve the information review system for borrowers,clarify the interest rate of borrowings and credit lines,avoid frequent occurrences of campus network lending;Establish a complete credit information system,effectively regulate campus network lending,and safeguard the interests of both parties.