Research On The Governance Of Illegal Campus Loans

The emergence and development of campus loans meet the needs of college students in shopping,training and entrepreneurship.While providing convenience,there are also chaos such as deception,inducement and illegal collection,which seriously threatens the safety of College Students’ lives and property and the stability of social governance.Since the beginning of 2016,many ministries and commissions have issued several documents to deal with the chaos of campus loans,strengthen supervision and education,and guide students to consume rationally.In 2017,the national ministries and commissions explicitly suspended online loan institutions from carrying out personal online loan business for college students,and took comprehensive measures to curb the spread of campus loans.After the government supervision department strengthened its supervision,the illegal campus loan ostensibly withdrew from the market.In fact,it changed its name and appeared in the name of various routine loans,such as "training loan" "plastic loan" "entrepreneurship loan",etc.Despite strong supervision,there are still vicious incidents of illegal campus loans seen in news reports.Based on the above background,this paper studies the governance of illegal campus loan.According to the ideas of raising,analyzing and solving problems,this paper first summarizes the current situation of illegal campus loan through typical cases and current situation investigation,further analyzes the governance problems of illegal campus loan and the causes of illegal campus loan,and puts forward targeted countermeasures and suggestions.Based on the research of scholars at home and abroad,this paper expounds the concept of illegal campus loan and related theoretical basis,which provides theoretical support for follow-up research.On this basis,the typical case of s city is introduced to summarize the characteristics of illegal campus loan: the object is college students,the loan threshold is low,false publicity,strong inducement,obvious routine and high default cost.The harm of illegal campus loan is mainly reflected in: violating students’ property rights,inducing students’ excessive consumption,affecting students’ social and psychological security,disturbing normal campus order,aggravating family school conflicts,undermining normal financial order,inducing criminal crimes and so on.The problems in the governance of illegal campus loans are: Students’ loan needs still exist,and their lack of awareness of prevention;The legal education in Colleges and universities is insufficient and the prevention mechanism lags behind;The supervision of illegal campus loans is not in place;Relevant laws and regulations need to be improved;Formal financial institutions do not match the financial needs of students.In view of the above problems,this paper puts forward countermeasures and suggestions for the governance of illegal campus Loans: improve relevant laws and regulations;Colleges and universities should strengthen educational guidance,make students consciously stay away from illegal campus loans,strengthen home school communication,promote educational docking,purify the campus,strengthen campus safety management,and establish a perfect response mechanism to illegal campus loans;Strengthen the supervision and regulation of illegal campus loans,dynamically clean up the illegal campus loan platform,severely crack down on the criminal acts of illegal campus loans,build a comprehensive supervision network and broaden the reporting channels of illegal campus loans;Provide regular campus financial services,establish a credit rating system for college students,and prudently carry out regular campus financial services;Mainstream media play a guiding role of public opinion,positively guide students’ parents to pay attention to family education,and take disclosure publicity to play a warning role.The governance of illegal campus loans is a systematic project.It is not realistic to completely eliminate illegal campus loans in a short time,but we can achieve planned risk avoidance and gradual governance by analyzing the operation mechanism and governance problems of this gray industrial chain.Only from the joint promotion of students,families,colleges and universities,the government and society,can we realize the effective supervision of illegal campus loans and maintain the normal order of the campus and the long-term stability of the society.