Research On The Legal Regulation Of Campus Network Loan

Campus network loan,as a new way of credit in Internet finance,has a blowout growth due to the implementation of the national inclusive financial policy.At one time,a variety of loan products for college students have sprung up in Colleges and universities.Because campus network loan can make students get loans quickly,it is very convenient,fast and popular.However,due to the lack of relevant laws and regulations,the campus network loan can not be effectively supervised,which leads to the abnormal development of the campus network loan and many social problems,which makes the rapid development of the campus network loan cause hot discussion from all walks of life.The research on the legal regulation of campus network loan also attracts people's attention.This paper is divided into three parts to study the legal regulation of campus network loan.The first part is the overview of the legal regulation of campus network loan.It mainly includes the concept,characteristics,operation mode and functional nature of the campus network loan platform.It analyzes the rationality of the existence of the campus network loan through the unique advantages of the campus network loan,meeting the credit needs of college students,building the objective needs of multi-level credit market,and practicing the concept of National inclusive financial policy,and then expounds the legal regulation of the campus network loan The necessity of.The second part describes the current situation and existing problems of the legal regulation of campus network loan in China.Mainly from the central level and local level of laws and regulations and local government documents,the paper analyzes the current situation of the legal regulation of the campus network loan,summarizes the legal problems existing in the legal regulation of the campus network loan in China,mainly including the legality of the campus network loan dispute,the lack of legal regulation of the campus network loan platform,the lack of the lending behavior norms of the campus network loan,the campus network loan The supervision system of Internet loan needs to be improved.The third part puts forward some suggestions on the improvement of the legal regulation of the campus network loan in China,including the recognition of the legal status of the campus network loan,the strengthening of the legal regulation of the campus networkloan platform through the strict access threshold of the campus network loan platform,the clear Examination Obligation of the platform,the strengthening of the information disclosure of the platform,and the improvement of the exit mechanism of the platform To clarify the lending standards,establish the guarantee conditions,improve the collection system,and refine the legal regulations on the lending behavior of campus network;and to further clarify the regulatory subjects and improve the regulatory methods to improve the regulatory system of campus network loans.