大学生网络借贷的失范与法律规制实证研究

Empirical Study of College Students' Network Lending Irregularity and Law Regulation

大学生网络借贷是具有门槛低、贷款利率高、坏账率高等特点的新型民间借贷。大学生特殊的消费心理、经济状况和生活环境,促使其成为网络借贷的主力军。由于网络借贷缺乏具体法律规制,其对大学生存在诸多风险。但其吸收了民间借贷的长处,弥补了传统金融机构的缺陷,为其发展提供了必要性条件。为了使网络借贷健康发展,应从大学生和网贷平台两方面进行规制和引导,净化其发展环境。

College students network lending is a new private lending characterized by low threshold, abundant doubtful accounts, high interest and etc. Having peculiarities in consumer psychology, financial abilities and living environment, college students become the main force of the lending. Since Internet lending is a new way loaning in China without legislation, it exposes a lot of risks for college students. However, it can absorb advantages of tradi- tional private lending and make up for the defects of traditional financial institutions, which means its existence is inevitable. To ensure the sound development of Internet lending and to purify its environment, it~ crucial to set up an legal system for standardizing net loan platforms and to educate college students to built correct consumption views.