Research On The Criminal Regulation Of "Campus Loan" In China

With the rapid development of Internet and economy,a new financing pattern called network loan,which make the loan relationship via the Internet outside the traditional financial medium,has emerged.The campus network loan(abbreviation“campus loan")with students as the main customer group is in line with the changes of contemporary college students' consumption demand and consumption concept,developing rapidly in the process of Internet financial development and occupying a certain market.However,due to the lag of the law,the irregular and vicious competition of the loan platform,the illegal collection of fees and high interest on the platform,and the requirement of borrowing college students to take personal nude photos as collateral triggered a series of negative events.In 2016,the outbreak of"nude loan"made"campus loan"the focus of public opinion.Since then,the news of"students suicide for being unable to repay network loans"appears frequently.To safeguard the legitimate rights as well as physical and mental health of contemporary college students,guarantee the stability of university campus and promote the harmonious development of society,various departments have issued notices clearly demanding that the "campus loan" be governed.It seems that many network loan platforms withdraw from the campus,but in fact they have turned into various kinds of "routine loans",which makes college students suffer more.It is of great theoretical significance and practical guiding significance to study how cr:iminal law in China regulates the criminal behaviors in campus network lending.The author believes that the operation of"campus loan",the new Internet financial development product,should be regulated to prevent alienation.However,the market demand should not be ignored and blindly suppressed,the risks should be identified.In order to promote the standardized and orderly development of"campus loan",the following research has been done in this paper.In the first chapter,the current regulations of"campus loan"is summarized in China.In the second chapter,the evolution of the operation mode of"campus loan"platform is analyzed and the property of different modes of"campus loan"platform is discussed.In the third chapter,the crimes,which may be involved in the serious bad behavior of"campus loan"in the current operation process,is identified,further the situation that"campus loan"should be regulated by criminal law is discussed.In the fourth chapter the criminal law regulation of the more harmful" campus routine loan" is analyzed.In the conclusion,this paper proposes a criminal law system for the crimes involved in the campus network lending process.