消费伦理视域下“裸条”借贷事件的规制路径

Regulatory Path of the “Naked” Loan Event in the View of Consumption Ethics

虽然我国网络金融业快速发展,但是在"裸条"借贷事件发生后,人们更加关注网络借贷中存在的非法交易问题。"裸条"借贷行为不但触犯了国家法律,而且冲击了人们的消费伦理,败坏了社会风气。该文基于消费伦理视角,分析发生"裸条"借贷事件的原因,并依据消费伦理,构建了信息时代的社会治理、家庭和校园的教育和女大学生自我反思等方面提出解决不规范网络借贷的问题。

Although the network lending industry is developing rapidly, the "naked" loan events make people pay attention to the illegal transactions in the network loan. Such events not only violate the law, but also impact on the consumption ethics and corrupt the social atmosphere. From the perspective of consumer ethics, this paper analyzes the reasons and putts forward some suggestions to avoid such incidents from the consumer ethics system construction, social governance in the age of information, family and campus education and the self-reflection of female college students.