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P2P行业作为新兴金融行业目前处于蓬勃发展阶段,针对大学生的校园网络借贷平台越来受到追捧,但由于其立法上的空白导致其问题频发。本文针我国P2P校园借贷行业目前出现的问题及法律规制提供监管对策,以规制校园网贷乱象,完善我国金融消费者权利保护制度,探讨校园网贷在中国大学生群体中的前景与未来。
As an emerging financial industry, P2P industry is currently in a flourishing stage. The campus network platform for college students has become increasingly sought after, but due to its legislative gaps, its problems are frequent. This article aims to provide some regulatory countermeasures to solve the current problems and legal regulations in the P2P campus lending industry in our country, so as to regulate the chaos in campus networks and improve the system of protecting the rights of financial consumers in our country, and to explore the future and future of campus net loans in Chinese college students.