Study On Legal Regulation Of Campus Network Loan Management Platform Supervision

In recent years,China’s campus online loans have shown a barbaric development trend,and extreme events have continued to occur.Under the pressure of the various media related to the tragedy caused by campus online loans and the pressure of public opinion,the relevant government departments of China have begun to attach importance to campus online loans.Governance of the operating platform.Various departments have formulated policies to regulate the campus online loan management platform.However,due to the lag of supervision and the limited effectiveness of documents,the effect of governance is still not satisfactory.Therefore,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 Credit Regulations” in May 2017,and made clear instructions on the follow-up development of the campus online loan management platform.The campus online loan business platform business and other online loan management platforms have been suspended for several years.From the perspective of supporting the campus online loan management platform to re-enter the market,this paper analyzes the related concepts and development trends of campus online loan and campus online loan management platform,and analyzes that campus online loan is a kind of Internet financial diversification business,and China has enormous potential for development.However,due to the imperfect laws and regulations,some campus online lending platforms are engaged in some illegal business driven by interests.In the context of frequent outbreaks of extreme malignant cases on campus,the public began to re-examine the need for its existence.This paper intends to analyze the development of the campus online loan operation platform in China,the risk in the operation process,the legal status of the campus online loan management platform in China,and the analysis of the different and short-term irreplaceability of the campus online loan management platform and commercial banks.It is recommended to restart the campus online loan management platform.In terms of supervision,some people think that the cyber supervision committee should be specially set up for supervision,but this paper believes that the campus online loan management platform should be characterized as a quasi-financial institution,which should be included in the scope of the unified supervision of the CBRC,and in the course of the operation of the campus online lending platform.The supervision proposes specific legal system improvement suggestions.