Research On The Risk Of Campus Lending And Its Preventive Measures

In 2015,under the background of "Internet +",the Internet was first into the state's financial planning advice.Campus lending as an important part of the Internet financial,in the national "inclusive finance " policy under the background of present of explosive growth,a series of "tailored" for college students credit loan product poured into the colleges and universities.Campus borrowing different from traditional financial industry,has many characteristics,such as convenient and quick,solves the problems of financing difficulties,financing your students.However,there is no perfect credit system in our country,the laws and regulations is not sound,the lack of effective cooperation mechanism between the various departments,can lead to the development of campus borrowing deformity,caused all kinds of social problems.Platform run collective phenomenon occurs frequently,college students cannot pay network borrowing debt leapt to his death,some platform dun even violence against the students can't meet the payments due to develop the industrial chain of a gray,some students even somehow be loans and so on numerous events,capital,time will be closely widely social attention and hot campus borrowing on the cusp of public opinion.This paper mainly adopts the literature research method and research method of comparative analysis,understand the connotation characteristics in campus,lending,based on the background of development,the study on the legal risk of different subjects of its existence,and foreign borrowing risk coping mode experience on campus,in the theoretical support for making the campus lending legal risk prevention measures,to create a good environment for our campus borrowing.This article is mainly from five aspects of the legal risk of the existence of campus loans:The first part is introduction.There are three sections,the first section describes the background and purpose and significance of the study,the second section talks about the research status at home and abroad in this paper.The third section is the research method and innovation of this paper.The second part introduced overview of campus loans.First analysis of interpreting the connotation of campus borrowing,and points out that the current campus borrowing there is no authoritative definition,lending have substaintial distinction with the traditional campus,has the characteristics of high yield and high risk.Second,describes the campus lending in China in recent years,universities have multiplied.Again,this paper introduces the campus credit in our country development present situation and alienation.Finally,campus borrowing as an emerging industry,due to the lack of legislation and platform for their own defects,regulatory reasons such as campus lending loopholes,it is necessary from the directional regulation.The third part analyzes the legal risks of campus borrowing.The author from the imperfect legislation,borrowers,lenders and platform itself and other aspects analyzes the legal risks of campus borrowing.First platform for their own risks,the author mainly introduced the platform due to the lack of industry standards,risk control mechanism is not perfect,risk evaluation mechanism is not sound and cause of risk.The borrower has often face charge,violence,the risk of arrears.Then introduces the lenders money back as a result of the borrower's credit risk,the legal rights of difficult dilemma,in addition,also analyzed the lenders to use platform to engage in the risk of money laundering.The fourth part elaborated the overseas risk response pattern and enlightenment.In the third part puts forward the legal risks,the fourth part in British and American developed countries,for example analyzes the campus borrowing abroad legal risk coping mode,have certain reference significance to our country.The fifth part is on the basis of the fourth part,put forward some practical suggestions,which is the core of this paper.Firstly,clarify the legal boundaries of the campus and related criminal behavior of lending at the legislative level and the increase of legislation to protect the information security of the debit advice;secondly in the prevention of legal risks of its platform,proposed the establishment of a unified industry standard,perfect risk control system,improve the risk assessment mechanism of measures in the prevention of legal risk of the borrower;and put forward to strengthen education management,the establishment of a variety of rights protection,establish the system of customer identification measures;in the prevention of legal risks of lending,proposed the establishment of loan insurance system,strengthen the loan transaction monitoring measures.