大学生消费信贷的互联网衍生及其规制逻辑

Internet Derivatives of College Consumption Credit and Its Regulation Logic

大学生网络消费信贷作为市场需求的创新回应,已成为互联网金融链条的重要一环,并且对第三方征信体系的健全具有极大的数据支撑价值。但大学生消费信贷业务的非理性增长容易引发过度消费负债,冲击现有金融监管秩序的稳定,并且在金融民主的推进中缺乏应有的主体尊重。社会极端事件的频繁发生和政府监管的边界模糊更是为其发展蒙上阴影。大学生网络消费信贷的法律规制应当针对市场、法律和制度风险,立足于金融教育、社会责任和征信体系完善的法律引导,实现对互联网金融的有力支撑。

Because of the special subject risks, the college students＇ consumption credit has been the penalty area of China＇s consumer finance development. However, the fast-developing e-commerce platforms have provided a conve- nient way to display the features of this mass consumption and their consumption culture. The innovation of college stu- dents＇ intemet consumption credit is based on market demand response, which has become an important link of the intemet finance chain and provides valuable data support for the perfection of the credit system. The irrational growth of college consumption credit has led to excessive consumption credit, impacted on the stability of the present financial supervision order, and lack subject respect in the process of promoting financial democracy. The emergence of extreme social problems and fuzzy boundary of the government regulation has hindered its development. The legal regulating of the college intemet consumption credit should be aimed at the market, legal and institutional risk, based on the finan- cial education, social responsibility and credit system to perfect the legal guidance, and provide the strong support of the intemet finance.