大学生网贷风险与法律控制方式研究

A Study on College Students' Online Loan Risks and Legal Control Methods

校园网贷作为一种新型的金融方式,影响学生的生活和学习,并对社会主义市场经济的健康发展产生着不良的影响。校园网贷发展及大学生校园网贷的法律风险已对家庭造成巨大负担,大学生网贷风险的法律控制,需从源头抓起,提高网贷公司市场准入标准、借方控制,完善网贷公司行为法律约束和学生控制,严格借贷对象行法律限制。

As a new type of financial method,campus network loan affects students’life and study,and has a bad influence on the healthy development of socialist market economy.The development of campus network loan and the following legal risk have caused great burden to their family.In this regard,there is a need to take legal control on the risk of network loan from the source,and the following measures are suggested to take:improving the market access standard of the network loan company,setting limits on borrowers of students,improving legal restraints of the company’s behavior,and setting strict legal restrictions on the lending object.