论校园借贷消费的法律风险及规制

The legal risk and regulation of campus loan consumption

随着互联网金融行业的兴起,手头拮据却充满消费欲的大学生群体成为了业内争夺的阵地。面向大学生提供分期购物和现金消费等服务的互联网金融服务平台如雨后春笋般成长起来。然而我国现行法律对互联网消费金融、校园贷款公司的监管还存在空白,校园分期消费行业呈现出泥沙俱下,良莠不齐的乱象。本文从揭示校园分期消费存在的问题及法律风险入手,通过分析其中的原因,为我国校园贷款行业的健康发展提出建议。

With the rise of the internet financial industry, college students are hard up for money and full of shopping desire, they have become an important consumer groups. The Internet financial services platform sprung up like mushrooms, which provide services such as staging shopping and cash consumption for college students. Yet there are gaps in our current legal regulation of Internet consumer finance. This paper reveals the problems and legal risks of the consumption of the campus, and the reasons of it, and puts forward some suggestions for the healthy development of the loan industry in our country.