Study On The Governance Of Campus Loan Crime

Under the background of rapid development in the Internet age,the Internet platform has penetrated into every field of daily life,especially in the financial sector in all kinds of Internet financial services emerge in endlessly,the campus as a typical representative of the network financial loan,loan is the college students as an object of network financial services,different from traditional financial loans,.It has the characteristics of simple application procedure,fast delivery speed,small amount and no guarantee.However,due to the immaturity of the main body of college students and the lack of guidance and education from family and school,there are some problems in the development process of college students’ campus loan,which will violate the law and lead to crimes.This paper starts from the problems caused by the development process of campus loan,analyzes its characteristics and causes,and puts forward the corresponding governance path.The paper is divided into four parts:The first part is the overview of campus loan crime.The paper mainly introduces the basic categories of loans,development course in our country,and analyze the campus crime loan,the development mainly includes the background and legislative evolution of campus credit,and credit on campus crime analysis,through to the campus to borrow the crime involved carding and campus crime constitutive requirements research,which emphasizes the campus to borrow the seriousness of the crime and harm,We have a more comprehensive understanding of campus loan crime.The second part is the analysis of campus loan crime.This part is mainly divided into two aspects,one is the harm of campus loan crime,through college students,schools and other aspects to elaborate the harm of campus loan.On the other hand,the cause of campus loan crime,due to the lack of self-protection awareness of college students,their personal and property safety is easy to be infringed.In addition,the lack of family-related guidance education,the prevention measures of colleges and universities are not in place,the lack of effective supervision mechanism of the government and the relevant laws and regulations system is not perfect,which are the causes of campus loan crime.Through the above analysis,we can understand the campus loan crime in China more deeply.The third part is the relevant regulations and reference of campus loan in foreign countries.The main research object includes common law and civil law countries.By searching and collecting relevant provisions of campus loan in foreign countries,it can provide reference for solving the campus loan crime problem in China.The fourth part is the comprehensive governance path of campus loan crime.In view of the illegal and criminal problems of campus loan,combined with the beneficial experience of foreign countries,the corresponding governance path is put forward.It is mainly divided into five aspects: strengthening the self-protection consciousness of college students,strengthening the combination of family and school education,strengthening the government’s supervision of campus loan,improving the construction of laws and regulations system and improving the standard development level of the industry.Through the above measures to provide reference for the governance of campus loan crime.