The Problem And Countermeasure Of "Campus Loan" From The Perspective Of Multi-governance

Under the influence of "Internet+" and inclusive financial policies,the combination of Internet finance and the huge consumer market of colleges and universities has given birth to a new development model of "campus loan"."Campus Loan" quickly fills the expanding consumer demand of college students with its low threshold,fast loan,simple procedures and convenient and fast,and fills the gaps of formal financial institutions in the campus lending business,so the development momentum is rapid.In 2013,it has grown to more than a hundred in just two years.At the end of 2016,the "naked loan"incident was exposed,and "campus loan" caused widespread concern in the society.Later,more and more news about college students' suicide due to "campus loan"appeared."Campus loan",not only caused many college students to bear huge debts and bear Huge economic and mental pressures have even led some college students to overwhelm their choice of suicide,which has had a major negative impact on schools,families and society.Therefore,how to effectively manage "campus loan" has become an urgent issue that needs to be resolved urgently.Based on the literature analysis method,this paper analyzes the concept,connotation,characteristics and types of "campus loan" on the basis of collecting and reading the literature on "campus loan",and deeply analyzes the theory of plural governance.These studies lay a theoretical foundation for the study of multi-governance of "campus loan".By collecting and sorting out many "campus loan" incidents,we can find that the current "campus loan" chaos is mainly manifested in the following aspects:high real interest rates,becoming disguised usury loans;platform manufacturing default,high penalty interest and inducement to repay loans;Improper collection;formal financial services are difficult to squeeze out illegal campus loans;the "campus loan" platform is disorderly;"campus loans" are repeatedly prohibited.Combined with case analysis,the main reasons for the "campus loan" chaos are mainly as follows:China lacks a sound"campus loan" supervision laws and regulations,and cannot be restrained and supervised from the system;it has not yet established a "campus loan" governance system,financial supervision Departments,education departments,public security and network information management departments did not form a joint supervision of "campus loan";the campus online lending platform lacked industry self-discipline and risk control was not strict,resulting in various illegal and illegal operations;college students lacked risk awareness and Rational consumption concept,blind borrowing and consumption;the credit information system is imperfect,and information asymmetry leads to the difficulty of controlling the risk of "campus loan".This paper also uses comparative analysis to study the supervision methods of campus loans in the United Kingdom and the United States,and provide experience and reference for establishing and improving China's "campus loan" governance system,such as implementing multiple governance;strengthening industry self-discipline;improving lending supervision laws and regulations and Improve the personal credit information system.Based on the analysis of the "campus loan" chaos and its causes in China,and based on the experience of foreign countries,this paper proposes a "campus loan" chaos management plan based on the theory of multiple governance:perfecting the laws and regulations governing the "campus loan";Multi-governance mode,give full play to the role of education departments,financial supervision departments,judicial departments and banks and other financial institutions,coordinate governance,strengthen all-round supervision;campus loan platform to strengthen industry self-discipline;college students establish a reasonable consumption concept and cultivate risk prevention awareness;Improve China's credit information system and reduce the overall risk of campus loans.