大学生网络借贷的法律审视与安全阀机制研究  

On Legal Examination of University Students' Online Loans and Safety Valve Mechanism

作　　者：赵佳敏[1] 张有亮[1] 

机构地区：[1]兰州理工大学法学院,甘肃兰州730050

出　　处：《浙江海洋学院学报（人文科学版）》2017年第2期78-84,共7页Journal of Zhejiang Ocean University(Humane Science)

基　　金：国家社科基金项目"新媒体时代社会管理创新的法治生态研究"(编号:13XFX006)阶段性研究成果

摘　　要：P2P大学生网络借贷迅速发展,大学生开始利用网络借贷平台满足自己日常消费需求。大学生网络借贷给大学生带来便利的同时,也会引发一些问题。本文通过分析大学生网络借贷投资人、网络借贷平台、借款大学生三者之间的法律关系探讨大学生网络借贷过程中产生的法律问题。大学生的借款违约以及网络借贷平台的非法吸收公众存款罪、集资诈骗罪、洗钱罪等一系列的违法行为相继出现。安全阀机制是一种社会安全机制,在大学生网络借贷中建立安全阀能有效缓解大学生网络借贷主体之间的冲突关系,更好的促进和保障大学生网络借贷的平稳、健康发展。With the rapid development of P2P student online loans, college students began to use the network lending platform to meet their daily consumer needs, which will lead to some problems at the same time when it brings convenience to college students, This paper explores the legal problems resulting from the process of college students＇ online loans by analyzing the legal relationships between college students＇ online borrowing investors, network lending platform and borrowing college students. There have emerged a series of such unlawful acts as the college students＇ violation of borrowing, illegal online borrowing platforms＇ crime of absorbing public deposits, fund-raising fraud, money laundering, and so on. The safety valve mechanism is a kind of social security mechanism. Its establishment of safety valve in the online loan of college students can effectively alleviate the conflict between the online loan subjects so as to promote and guarantee the smooth and healthy development of college students＇ online loans.

关 键 词：大学生网络借贷 法律审视 安全阀机制 

分 类 号：F832.4[经济管理—金融学]