我国互联网校园贷市场法律问题与规制路径

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Abstract The online student loan, a financial pattern popular on university campuses in recent years, meets the financial needs of college students, but its markets are chaotic due to weak regulation. When official financial institutions cannot provide financial service to college students, it is an effective way to meet the financial needs of college students and thus should not simply be banned. Various regulations concerning online student loans are mostly principles and local regulations. Being inconsistent and ineffective, these regulations have made some platforms withdraw from the online student loan market, but they are inadequate to establish a regulatory mechanism for the market. As there are various types of online student loans and the customers are special, related regulations should be different from those of online financial patterns serving people outside the campus. China should introduce national approaches to regulate online student loans, start from establishing regulatory mechanisms, regulating operation mechanisms, improving dispute resolution mechanisms and credit systems, accelerate rational development of online student loans, and set a clear timetable for the withdrawal of inventory financing business.

Key words： online student loans market analysis legal problems legal regulation

Received: 07 June 2017

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	LI Mei
	XU Ying

Cite this article:

LI Mei,XU Ying. Legal problems and regulatory path of China’s Online Student Loans[J]. , 2017, 34(4): 90-96.

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https://xb.szu.edu.cn/EN/ OR https://xb.szu.edu.cn/EN/Y2017/V34/I4/90

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