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互联网金融的迅猛发展打破了传统的借贷模式,网络借贷行业应运而生。自2009年以来,网贷公司便走进高校,在校园中“野蛮生长”。网贷的模式有三种,其中P2P网贷的到来,更是在给大学生适当解决资金短缺、燃眉之急的同时,带来了借贷欺诈、信息泄露、“暴力催款”等问题,酿成了许多的校园悲剧。本文将从P2P网络借贷的概念及特点讲起,浅析大学生网贷消费的现状,阐述大学生网贷市场存在的若干问题,列举大学生在网贷中需要承担法律责任的情形,并提出规制完善大学生网贷市场的建议。
The rapid development of Internet finance broke the traditional lending model, and the internet loan industry came into being. Since 2009, net lending companies have entered colleges and universities in the campus brutal growth . There are three modes of net lending, of which the arrival of P2P net lending is more suitable for college students to solve the shortage of funds, the pressing needs of the people at the same time brought credit fraud, information disclosure, “violence reminder” and other issues, resulting in Many of the campus tragedies. This article will start from the concept and characteristics of P2P network lending, analyze the status quo of university students’ net lending, expound some problems existing in college student net lending market, list the situation that university students need to shoulder the legal responsibility in net lending, and put forward that regulating and perfecting college students Network loan market recommendations.