Research On Legal Supervision Of P2P Campus Network Loan Platform

In recent years,China's campus network loans have grown wildly,and extreme events have continued to occur.“Borrowing treasure 10 G bare loan event” pushed the campus network loan to the tip of the wave."Naked loan" has become the first reaction of people thinking of campus online loans.In the face of extreme events and social reactions,relevant departments began to issue various documents to regulate the campus online loan and strengthen supervision.However,the delay in supervision cannot effectively stop the occurrence of extreme events.Therefore,in May 2017,the China Banking Regulatory Commission,the Ministry of Education,and the Ministry of Human Resources and Social Security jointly issued the “Notice on Further Strengthening the Management of Campus Loan Norms” to make it clear to the campus online loan platform to suspend all campus online loan platforms.The P2 P campus online loan platform,as a new form of internet finance,fills the gaps in the financial market,and has led to economic development to a certain extent before the suspension.The P2 P campus online loan platform meets the capital needs of entrepreneurial students and helps poor students to get out of their predicament.In the course of development,extreme events continue to occur due to lagging supervision and inadequate supervision.China should not completely deny the P2 P campus online loan platform,and should not suspend all P2 P campus online loan platforms.Instead,it should find the root cause of the continuous occurrence of P2 P campus online loan extreme events,restart P2 P campus network loans,and prudently monitor P2 P campus network loans.The platform puts the campus online loan on track.The author analyzes the campus online loan platform under P2 P mode in the campus online loan platform.The first part defines the concept of P2 P campus online loan,and makes a legal comparison of the legal status of the P2 P campus online loan platform.The second part introduces the operation mode of the P2 P campus online loan platform,analyzes the civil legal relationship existing in the P2 P campus network loan,and clearly defines the supervised object P2 P campus online loan platform is a“financial information intermediary”.The third part puts forward the status quo andinsufficiency of the P2 P campus online loan platform supervision,and exemplifies the social phenomenon of the campus online loan platform.The author carries out the campus survey,the problems in the reality of the campus online loan platform and the students' P2 P campus online loan platform.The knowledge is summarized and analyzed.It was concluded that the campus network loan platform has low barriers to entry,strict supervision of the lending process,weak interest rate supervision,imperfect credit system,unrestricted borrowing amount,and strict supervision of the exit mechanism.It is the lack of supervision.In the fourth part,the necessity of restarting the P2 P campus online loan platform is clarified,and the urgency of improving the regulatory system is further emphasized.Based on the regulatory gaps found in the actual reflections,the Bank clarified the criteria for entry thresholds for campus network loans,clarified the supervision standards for the campus online loan platform business,and formulated a set of supervisory opinions specifically targeting the P2 P campus online loan platform withdrawal loan market.