我国校园网贷存在问题及法律规制

On the legal regulation of the campus network loan problems in China

随着互联网金融的发展,P2P平台与传统电商等平台所推出的校园网贷服务成为一种流行于在校大学生群体中的新型借贷方式。这种借贷方式因其借贷门槛低、审查流程简便以及放款速度快等特点而广受学生群体的喜爱,但也出现了裸条借贷、欺骗借贷、暴力逼贷等一系列的问题。为规范校园网贷平台的发展,应提高其市场准入门槛、加强相关部门的监管力度以及加强对在校生的法律知识宣传力度与建立借款人网络信息共享机制。

With the development of the Internet financial,the campus network loan service launched by P2p platform and the traditional electric business platform has become a new lending way which popularized in college students groups.Because of its low threshold,the simple review process,and the fast lending speed,it is popular with the students groups.However,there are also a series of problems such as naked lending,cheating lending,violent force on loan,and so on.In order to regulate the development of campus net loan platform,the market access threshold should be improved,the supervision of the relevant departments should be strengthened,as well as the lending platform disclosure website for illegal information and the borrower information sharing mechanism should be established.