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随着互联网的快速发展,新型借贷方式层出不穷,其中以P2P为代表的新型互联网物流模式,受到了大力追捧,此种方式使得财物流通更为方便快捷。但是,因为法律漏洞和监管不力,使得以“裸贷”为首的畸形借贷方式存在于大学生群体间。2016年9月爆出全国各地高校出现此乱象后,一直广受讨论。今日,笔者试图在法律层面提出规范裸贷现象的方法及对策,为规范校园借贷提供有益的建议。
With the rapid development of the Internet, new forms of lending are emerging. Among them, the new Internet logistics model represented by P2P has been vigorously pursued. This method makes the circulation of property more convenient and faster. However, because of loopholes in law and ineffective supervision, deformity loans led by “naked loans ” exist among college students. After the outbreak of this disorder in universities and colleges across the country in September 2016, it has been widely discussed. Today, the author attempts to propose ways and measures to regulate the phenomenon of naked loans at the legal level, and provides helpful suggestions for standardizing campus loans.