| With the rapid development of modern social economy and culture,campus online lending quickly became popular,becoming a hot topic of social concern.Many online loan platforms sell online loan products to colleges and universities in various ways to compete for colleges and universities.These campus online loans generally have blind profit-seeking and market competition.Generally,there are lax regulations and irregular operations.The problem is that campus online loans are like chaos,which has led to campus tragic events such as “naked loans” and “arrears of jumping off the building”.Although from 2016 to 2018,various ministries and commissions have issued a number of policy documents to rectify the campus online lending platform,but the bad online lending is still banned.In order to solve the above problems,it is effective and reasonable to protect the rights and interests of college students in campus online loans from the root cause,and to curb the trend of frequent network loan tragedies.This paper conducts an empirical study on the protection of college students’ online loan rights,and explores the channels for the victims of campus online loans to seek protection of rights and interests,and analyzes the problems existing in the protection of college students’ online loans.Equity protection explores new paths.This article contains three parts in addition to the introduction.The first part is an empirical investigation on the protection of college students’ online loan rights in F city.This part first introduces the basic situation of the empirical investigation;the second is the analysis of the results of the empirical investigation,and the statistical analysis of the three aspects in combination with the data of the investigation.The second part is about the predicament and reasons of the protection of college students’ online loan.Firstly,it analyzes the rights and interests of college students’ online loan,which are mainly faced with four major dilemmas: the online loan platform is designed to set up a charge repayment trap,the civil tort phenomenon is serious,the campus online loan derivative criminal crimes,and the bad online loans are repeatedly prohibited.Secondly,the deeper reasons for the existence of the dilemma are: the industry supervision and access mechanism needs to be improved;there is no effective campus network loan risk prevention mechanism;the current legal relief and protection system needs to be improved.The third part puts forward relevant countermeasures to protect college students’ online loan interest.Combined with the characteristics of campus online loan,we must take these measures as followed: First of all,give the management of the university campus network loan platform,including: clear the supervision department of the network lending platform,strictly regulate the business process;second,improve the campus network loan risk prevention mechanism It mainly includes establishing a unified and perfect network lending credit review system,strengthening the platform credit risk review mechanism,and setting the limit standard for campus network loan finance;the third is to improve the legal relief and protection system for college students’ online loan,first of all,to build legislation.The effective legal system of campus online lending platform,followed by the improvement of the existing relief system,and finally the shaping of a good environment for the protection of rights and interests. |
