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最近几年,我国互联网技术得到了快速发展,移动金融一出现则呈现出不可阻拦的发展势头,尤其得到年青人的青睐,网贷平台成本低廉、身份审核简单,因此在大学中占有了大量市场,当前大学生受社会风气影响,存在一定的攀比心理,为了得到资金进行网贷导致自身陷入无法偿还的境地,合理监督网贷行为、制订规范大学生网贷行为的法律法规,才能帮助大学生健康成长,本文在研究当前大学生网贷行为的前提下提出了应该利用法律规范大学生的行为,促进我国互联网网贷市场的健康发展。
In recent years, China’s Internet technology has been rapid development, the emergence of mobile finance presents an irresistible momentum of development, especially young people of all ages, the network loan platform low cost, identity audit is simple, so occupy a large number of universities in the market At present, under the influence of social ethos, undergraduates have certain comparisons psychology. In order to obtain the funds to carry out net loans and lead them to be unable to repay their own situation, reasonably supervising the behaviors of net loans and formulating the laws and regulations that regulate college students’ behaviors of net loans can help the healthy growth of college students, On the premise of studying the behavior of college students’ online credit, this paper puts forward that we should use the law to regulate college students and promote the healthy development of internet credit market in our country.