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近年来随着网络的兴起,高校学生民间借贷所引发的一系列恶性事件反映出我国高校民间借贷的法律规制存在很大的问题。并且随着市场经济的飞速发展,使民间借贷的市场越来越大,但是由于民间借贷缺乏必要的法律规制及有效地监管,导致其长期处于法律灰色地带,这使高校学生在进行民间借贷时存在一系列的风险及问题。针对如何完善高校学生民间借贷,需要分析其存在的问题,制定相关具体的法律法规,加大监管力度,使其合法化,减少高校学生民间借贷的风险,为民间借贷打造一个完善的法制环境。
In recent years, with the rise of the Internet, a series of vicious incidents caused by the non-governmental borrowing of college students reflect the great problems existing in the legal regulation of private lending in colleges and universities. And with the rapid development of market economy, the market for private lending is getting bigger and bigger. However, due to the lack of necessary legal regulation and effective regulation of private lending, it leads to its long-term legal gray area, which makes university students borrow money There are a series of risks and problems. Aiming at how to perfect the private lending of college students, we need to analyze their existing problems, formulate relevant specific laws and regulations, strengthen supervision, legitimize them, reduce the risk of private lending to college students and create a sound legal environment for private lending.