校园贷法律风险及规避路径浅析

Brief analysis on the legal risk and elusion path of campus loan

校园贷是指在校学生向各类借贷平台借钱的行为。随着互联网技术的快速发展,新一轮校园贷业务再次涌入校园,校园贷成为各金融机构谋利的重要手段。但当互联网金融被别有用心者滥用时,引发了诸多法律风险,也造成了校园贷坏账率畸高。本文从校园贷特点及本质出发,浅析校园贷存在的法律风险,为校园贷健康发展提出建议。

Campus loan is a behavior that college students borrow money fi＇om various lending platform. With the rapid development of internet technology, more and more campus loan business has found its way into campuses, and become a powerful tool for financing institutions to make money. However, lots of legal risks will be raised when internet finance is abused by some ulterior persons, which has significantly increased the ratio of bad loans. Based on the essence and characteristics of campus loan, this paper gives brief analysis on the legal risk of campus loan, which will contribute to the healthy development of campus loan.