大学生校园网贷与民事权益问题保护

College Students’ Campus Internet Loans and the Protection of Civil Rights and Interests

与普通的民间借贷相比,大学生校园网贷存在较多的民事法律风险,尽管校园贷已暂停,且银行已对大学生贷款“开正门”,但囿于种种原因限制,难以灭绝,多数平台改头换面,继续校园贷。目前缺少专门针对大学生校园网贷的民事法律规范,相应的近似法律依据有《民法典》及政府部门规章的相关规定。大学生网贷民事权益保护涉及面广,主要的问题表现在:民事主体地位存在事实上的不平等、缺乏纠纷解决机制等。未来需要加强大学生网贷行业协会建设,规范校园贷网贷平台,进行金融创新,加强对平台信息披露的监管。在制度健全的基础上恢复校园贷产品,使校园贷真正能满足学生的需要,同时又能够保护合法权益。

Compared with ordinary private loans,campus online loans for college students have more civil and legal risks.Although campus loans have been suspended and banks have“opened the front door”to college student loans,they are limited by various reasons and are difficult to extinct.Most The platform has changed its face and continued campus loans.Currently,there is a lack of civil laws and regulations specifically for college students’campus online loans,and the corresponding similar legal basis is the“Civil Code”and relevant regulations of government departments.The protection of civil rights and interests of college students’online loans involves a wide range of issues,and the main problems are manifested in the fact that the status of civil subjects is actually unequal,and there is a lack of dispute resolution mechanisms.In the future,it is necessary to strengthen the construction of college student online loan industry associations,standardize campus loan online loan platforms,carry out financial innovation,and strengthen the supervision of platform information disclosure.Restore campus loan products on the basis of a sound system,so that campus loans can truly meet the needs of students while at the same time protecting legitimate rights and interests.