大学生校园贷法律问题研究——以P2P借贷平台为例

Research on the Legal Issues of Campus Loan for College Students——Taking the P2P Loan Platform as an Example

随着当代大学生消费观念的转变与信贷消费观念的兴起,小额网络借贷开始在大学校园中盛行,"校园贷"的概念应运而生,由于其面向主体的特殊性,其金融模式与法律责任的承担都有特殊考量的必要。了解"校园贷"P2P平台的金融模式是研究校园贷法律问题的基础,明确"校园贷"P2P平台责任是解决校园贷法律问题的核心。

With the change of the consumption concept of contemporary college students and the rise of the concept of credit consumption,micro-online loan has begun to prevail on university campuses, and the concept of ＂campus loan＂ came into being. Due to the particularity of its subject oriented, it is necessary to consider the financial model and legal liability it should bear. Understanding the financial model of ＂campus loan＂ P2 P platform is the basis of studying the legal problems of campus loan, and clearing the responsibility of ＂campus loan＂ P2 P platform is the core of solving the legal problems of campus loan.