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| Illegal P2P Online Lending Platforms for College Students: its Operational Mechanism, Malpractice Types, and Corresponding Countermeasures |
| CAO Hui |
| College of Teacher Education, Jiangsu University, Zhenjiang, Jiangsu, 212013 |
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Abstract With the explosive development of online finance, P2P online lending first boomed in society, and then widely spread among college students, a group with weak legal awareness and few social experience, resulting in illegal P2P online lending platforms. Illegal P2P lending platforms are lending platforms that induce college students to overspend by means of false publicity, low access requirement and vague charge rate, and collect loans by uncivilized means or give loans to college students with malicious intention. It has three major operational modes: information intermediary mode, credit intermediary mode, and guarantee mode. These three modes, to some extent, violate students’ right to know, right to life and health, right to education and right to personal privacy. We need to address different malpractices with corresponding countermeasures: curbing the creation and spread of bad information at the source, making lending information open and transparent through big data technology, and at the same time regulating the access requirements of online lending platforms. As for college students, they should raise their awareness of information security, keep informed of relevant laws and regulations so as to distance themselves away from illegal P2P online lending platforms.
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Received: 26 September 2019
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2020, Vol. 37 
