Civil Law Adjustment Of Campus “routine Loans”

The campus loan caters to the needs of the contemporary students for funds.On the one hand,it solves the needs of the students in modern society for learning,entrepreneurship and consumption.On the other hand,it also brings a series of legal problems because of its over speed of development and unbalanced value.The frequent outbreak of campus "routine loan" has attracted the attention of all walks of life in our country.The state has adopted the promulgation of legal documents,typical cases and the strict attitude to regulate the problem of campus "routine loan".The main research of the academic and practical circles focuses on the adjustment of the criminal law and administrative law of the campus "routine loan",but the adjustment of the civil law is rarely involved.Under the dual national adjustment of administration and criminal,the campus "routine loan" has certain suppression and retreat,but such adjustment can not solve the root cause of the campus "routine loan"--"interests",nor provide equal civil rights and interests relief for the students who lack social experience.To put an end to the occurrence of "routine loan" on campus,we need to adjust it through civil law.In terms of civil rights and obligations,if the lender is faced with a huge risk and unprofitable situation,and the borrower has the right of compensation for damages that can be expected to be equal to the risk it bears,it is just like solving the problem of "routine loan" on campus.