Research On The Government Supervision Of College Students' Campus Network Loan

With the increasing consumer demand of college students and the suspension of bank credit cards issued by college students,the contradiction between strong borrowing demand and closed lending channels has become increasingly prominent.This contradiction has prompted the emergence and explosive growth of "campus online loans" for college students.The emergence and development of the “campus online loan” of college students has solved the problem of shortage of funds for college students with shopping,schooling and entrepreneurial needs,but it has also led to frequent information leaks,fraudulent inducements and illegal collections,which have seriously threatened college students' Life and property safety.In this regard,the government has strengthened its supervision of college campus loans.Although government supervision has curbed the deteriorating trend of college students' "campus online loans" to some extent,it has also caused some "campus online loan" institutions to put on "new vests" to engage in illegal lending activities,leading to the failure of government supervision.Based on the above background,this article focuses on the issue of college campus loan from the perspective of government supervision.Based on the ideas of proposing,analyzing and solving problems,this article further analyzes the problems and causes of the government supervision of college students' “campus online loan” on the basis of an overview of the current situation of government supervision on “campus online loan” of college students,and proposes targeted Suggestions.This article first reviews the relevant research on the government supervision of “campus online loan” by college students at home and abroad,and expounds its related concepts and theoretical basis,so as to provide theoretical support for this research.On this basis,this article cuts into an example of the government supervision of “Campus Online Loan” for college students in Changsha,comprehensively summarizes the current situation of “Campus Online Loan” for college students in Changsha City and the current situation of government supervision.The main problems and their reasons for the government supervision of "Campus Online Loan" for college students in Changsha are study.Specifically,the problems of government supervision of “campus online loans” for college students in Changsha include: deviations in public interest goals,difficulty in implementing laws and regulations,obvious overlapping of supervisory responsibilities,insufficient information monitoring of campus online loans,and failure of regulatory supervision methods,etc.aspect.Regarding the reasons behind the problem,this article believes that the "official standard" concept still exists,the legal and regulatory basis is not perfect,the coordination mechanism between subjects has not been established,the monitoring of campus online loan information is difficult,and the supervision method lacks responsiveness.In response to the above problems,this article starts from establishing a public interest-oriented regulatory concept,reshaping the overall structure of the government's regulatory body,improving government regulatory laws and regulations,enriching the content of government supervision with information disclosure as the core,and applying responsive government supervision.In five ways,the government supervised countermeasures and suggestions on "campus online loan" were proposed.In short,the government supervision of college campus loans is a systematic project.Only by advancing the supervision concept,regulatory basis,supervision subject,supervision content and supervision methods,can we achieve the campus campus loans for college students.Efficient supervision and maintenance of the healthy development of the college campus loan industry.