Research On The Legal Problems Of Campus Loan And Its Regulation Path

China's Internet finance P2P lending platform was established in 2006.Over time,this mode of operation development has gradually entered the campus of universities and colleges and universities began to appear "school loans" phenomenon.Because the relevant laws and regulations are not perfect and there is no clear regulatory body,the risks of campus lending in the development process are frequent,and even the life safety of college students is endangered.The " credit on campus" in schools is confusing.This is also the study of this paper.The significance lies.The introduction part explains-and discusses in detail various aspects such as research origin,meaning,core conceptual circles and so on.The text elaborated on the development of internet finance and the rise of“credit on campus" in universities,analyzed the definition,emergence and development of internet finance and the risks in the development process,and finally destroyed the physical and mental health of students and harmed students.The pure friendship,defilement of pure campus culture and other aspects discuss the harm of college campus credit.On the basis of the above analysis and discussion,a detailed analysis of the legal issues involved in the "campus loan" in colleges and universities.First of all,it analyzes the legitimacy of the subject qualifications of the lenders and borrowers.As a special group of college students,many college students may not be 18 years of age yet,and they still belong to restricted civil actors.Whether they can qualify as the mainstay of campus network borrowers remains to be determined.For the "campus loan" platform or institution,the subject qualifications of its lenders also have related legal issues,mainly manifested as the low threshold of access to "campus loans."Secondly,a detailed analysis of the operational process issues of“campus loans" is discussed in terms of audit processes,operational processes,and regulatory bodies.Then the problem of college students' rights and interests involved in "campus loans"is specifically the consumer's right to know and personal rights.Finally,it discusses the problem of dispute resolution and rights remedy of " on-campus loans",and analyzes the loopholes in the dispute resolution mechanism existing in the process of disputes.Next,from the national and government level,college level,social and family level,and industry standard level,the causes of chaos in campus credit are analyzed.On the basis of the above analysis,from the perspectives of education prevention and legal regulation,the authors put forward the regulatory path of "urban loans" chaos in colleges and universities.First of all,education and prevention are discussed in three aspects:university education,social and family education,and self-education.Secondly,in terms of legal regulation,the establishment of regulatory agencies will clarify the regulatory responsibilities,formulate sound industry regulations,strictly control the operation of the lending platform,and improve dispute resolution mechanisms from three perspectives.