Research On The Perfection Of College Students' Campus Network Loan System

Due to the lack of legal regulations on "usury" and both online and offline lending platforms,college students’ legitimate interests of lending are being eroded by these hidden institutional pitfalls.In order to systematically tackle the long-standing vexing problem of “campus loan",this paper attempts to carry out a legislative exploration for the practice of granting "usurious loan" to certain subjects and at the same time draws on the valuable institutional experience abroad in the supervision of online loan,hoping to render suggestions on improving the system of online campus lending in colleges and universities.The paper is composed of four parts.Part one comprises an introduction,which focuses on the research status at home and abroad.With a comparison of domestic and foreign researches on the supervision of online lending platforms,regulation on “usury” and risk control of campus loan,the room for the improvement over the system for addressing campus loan problems in our country is found out.Part two introduces the prominent problems regarding "campus loan".By disclosing the protruding usurious problems of "campus loan" and studying the historical system of "usury",the current situation of campus loan running in the absence of a sound management system for online loan institutions and offline loan institutions is sorted out.Part three analyzes the causes for the institutional deficiency of "campus loan".Through an analysis of the causes for the institutional deficiency of "campus loan",the room for the improvement for regulating campus usury and strengthening supervision on online lending is figured out.Part four puts forward suggestions on how to enhance the system of "campus loan".This part,as the key chapter of this paper,first lists some normative measures concerning usury and supervision of online campus lending in ancient China and foreign countries,then analyzes the previous institutional experience that we can consult,and finally proposes suggestions on the improvement over the system of “campus loan” in our country.