The Legal Regulation Of Campus Loan

Along with the development of social and market economy,as a new kind of loan transaction,campus loan grows rapidly among the college students.Campus loan arises a series kind of social phenomenon in a short time,which makes campus loan regulation more and more important.Campus loan is so convenient to students,but can also cause economic confusions even criminals.As a new type of loan,campus loan lies in the Internet,shopping websites,consumer finance company,P2 P offline and banks to operate.At present,there is still no authoritative definition on the campus loan,meanwhile,the researches are still not so professional.Now,both of the legislation and regulation of campus loan are not perfect,which may arise risk that bad to both sides.Moreover,the legality of campus loan is not sure,and unhealthy campus loan may arise infringement of personal right.So,a new legislation and regulation system should be built to protect rights of both sides.By analyzing the current situation,the institution and the legal system relates to campus loan,this thesis aims to find out the problems and put forward some useful solutions to these problems.Moreover,extraterritorial experiences will be taken into discussion to find a appropriate legal system which could create a harmony,optimum and healthy campus loan environment in the future.