校园安全视角下不良“校园贷”的法律规制

Discussion on Legal Regulating of the Non-performing Campus Loan from the Perspective of Campus Security

近年来"校园贷"的不规范发展,如虚假宣传、隐瞒实际资费标准等诱导学生过度消费,甚至使涉事学生陷入"高利贷"陷阱,进而引发一系列如"裸照贷款""暴力催收"等乱象,严重冲击了正常的校园秩序和安全,造成不良的社会影响。在对涉案学生进行教育和引导的同时,高校更应该反思如何对不良"校园贷"进行有效评价监督管理,促进其规范运作和良性发展。

Recently,with the non-standard development of the non-performing campus loan,chaotic phenomena has been coming out,such as false advertising,concealingreal standard fee which induces students to have excessive consumption and make involved students fall into“usury”trap,even caused a series of chaos,such as“nude loan”,“violent collection”and so on.All those chaotic phenomena has seriously affected the normal campus order and security,which also have led to the worst social impact.Involved students must be educated and guided,at the same time,how to use thinking evaluation of law and make effective supervision and management about non-performing campus loan also should be re-thinked.The purpose is to promote its standard operation and positive development.