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校园网络借贷以其新颖、便捷、高效的借贷优势弥补了我国传统信贷领域的不足,满足了大学生群体的消费需求。但是,由于我国法律对校园贷缺乏监管,导致校园贷业务的运作出现了很多问题,“裸条”借贷、校园“裸贷”再次进入公众的视野。本文通过研究校园贷业务的现状及存在的问题,分析校园裸贷合同的属性以及裸贷行为所涉及的法律问题,通过平台运营、信息监管以及第三方评估检测等方面来研究探索规范校园贷问题的防范机制,期待校园贷业务能够健康稳健发展。
With its novel, convenient and efficient lending advantages, campus internet loans make up for the shortcomings in China’s traditional credit field and meet the consumer demand of college students. However, due to the lack of regulation of campus loans in our country, many problems have arisen in the operation of campus loan services, such as “nudity” loans and campus “naked loans ” once again entered the public’s field of vision. This paper studies the status quo and existing problems of campus loan business, analyzes the attributes of bare loan contracts in campus and the legal issues involved in bare loan behavior, and studies and probes into the issue of standardizing campus loans through platform operation, information supervision and third-party evaluation and testing Prevention mechanism, look forward to the campus loan business to healthy and steady development.