大学生分期付购物平台法律问题研究

Research on the Legal Problems of Installment Shopping Platform for College Students

大学生分期购物平台是近几年才出现的一种针对大学生群体的网络平台,主要提供分期付款购买大额商品的业务,由于其注册门槛低,销售的商品深受大学生喜爱、填补了信用卡被叫停后的空白等因素,面世之后就得到了很快的发展。但是深究其性质,平台提供的只是类似信用卡消费的贷款业务,而且平台也相继开始直接提供小额贷款业务,受其深层性质以及缺乏规范监管等影响,目前此类平台通常存在着各种问题。

Installment shopping platform of college students is a kind of network platforms for college students, which appeared in recent years, mainly providing with installment shopping of large commodity business. Because the threshold of registration is low, the goods are popular among college students and filling the gaps in credit card after termination, and so on. The platform maintains a very fast development when it comes out. But the essential nature is that the platform only provides with loan business that is similar to credit card consumption, and it begins to offer microfinance, affected by its nature and the lack of normative regulation, at present this kind of platform usually has all kinds of problems.