Research On The Legal Regulations Of Campus Internet Loans In China

Under the background of "Internet +" development,Internet finance has risen to the national strategic level,has been included in the national development plan,and effectively promotes inclusive financial policies.There are a large number of college students in China,and there is a strong demand for consumer finance.It is reasonable to become a practitioner of inclusive finance,and it has spawned the emergence of a new Internet finance method-campus online loans.In recent years,campus online lending is one of the most rapidly developed areas of Internet finance.Due to its efficiency and convenience,it caters to the rapid development of society and the relief of economic pressure,and has been favored by many college students.While meeting the consumption needs of college students,problems in the development of campus online loans are also frequent.Based on the Internet questionnaire survey and the analysis of the illegal types of campus online loans(bare strip loans,fraudulent loans,and routine loans),this paper finds that there are: the legality of the qualifications of campus online loans,the violation of college students 'rights by campus online loans The problems of the operation mechanism of online loans and the relief of college students 'rights have caused many college students to fall into the quagmire of bad online loans,which not only wastes their studies,but even pays the price of their lives.At present,the imperfections at the economic level,the subject level,the system level,and the supervision level have jointly caused the anomie in the practice of campus internet lending.The development of campus internet loans should be reviewed and concerned urgently.Otherwise,it will seriously infringe upon the lawful rights and interests of college students and endanger the normal social and financial order.The author believes that the reasonable regulation of campus internet loans should be regulated from the following aspects: Regarding the reform of campus internet loan regulations,recognizing the legal status of benign campus internet loans and addressing the dominant position of college students;Formulate the implementation rules of campus internet loan supervision;clarify the campus internet loan supervision mechanism,clarify the campus internet loan supervision institution,strictly enter and exit the campus internet loan market,standardize the campus internet loan operation mechanism,establish a campus internet loan industry self-regulation organization;strengthen the campus Regarding the construction of online loan platforms,strengthen the risk assessment of online loan platforms and encourage innovation in online loan platforms;shape the social environment of campus online loans,create a credit environment and create an educational environment;construct a multiple dispute resolution mechanism for campus online loans and improve online dispute resolution Mechanism,perfect offline dispute resolution mechanism.The anomie of campus online loans is not only an industry issue but also a social issue;it is not only a regulatory issue but also a self-discipline issue;it is not just an immediate issue but also a future issue.For the development of campus online loans,a cautious and enlightened attitude must be adopted,and a combination of "blocking" and "sparse" supervision methods can ensure its reasonable and orderly development.