P2P互联网金融问题探析——以“校园贷”为视角

An Analysis of P2P Internet Finance from the Perspective of “Campus Loans”

校园贷发展的经验和教训表明:"高利贷"得有人管,"校园贷"不能一刀切;应通过P2P互联网金融领域规制系统的整体升级换代培育出稳健经营、风控技术完备的金融平台,为大学生提供小额、适度的消费金融产品,让具有合理消费信贷需求和诚信的大学生获得流动资金,还大学生一个正常的校园贷金融生态环境。

As one of the products of the P2P era,the campus loan is chaotic.The“high-interest loan”has to be managed,but we can’t expect a single solution would solve all problems in the case of“campus loan”.We should upgrade the overall regulation system of the P2P internet financial sector to create a sound“campus loan”financial ecological environment.