P2P网络借贷发展存在的问题及对策探析——以校园贷现象为例  

The Existing Problems In The Development Of P2P Network Lending And Countermeasure Analysis——An Aalysis With The Example Of Campus Loan

作　　者：邱格磊[1] 许志明 

机构地区：[1]福建江夏学院金融学院,福建福州350108

出　　处：《福建金融管理干部学院学报》2017年第3期10-16,45,共8页Journal of Fujian Institute of Financial Administrators

基　　金：2016年福建省中青年教师教育科研项目<"新常态"下P2P网络借贷平台的法律监管体系研究>(项目编号JAS160613);2015年福建江夏学院青年科研人才培育基金项目(项目编号JXS2015012)的阶段性研究成果

摘　　要：随着国家经济转型升级步伐的加快,P2P网络借贷快速发展,近几年面向大学生群体的"校园贷"经历了发展、兴起、乱象、限制直至暂停的历程。作为P2P网络借贷模式之一,校园贷具有准入条件低、放款迅速、手续简便等特点,可以在一定程度上满足大学生旺盛的理财和消费需求。但在为大学生提供便利的同时,也出现了平台准入门槛低、诱导大学生过度消费、收费不透明、暴力逼债等问题。在此基础上通过校园借贷来看我国P2P网络借贷发展,提出了明确监管主体、疏堵结合、完善高校资助体系建设、推进征信体系建设、完善网贷相关法律法规、加强对大学生宣传教育等方面的对策建议。With the accelerated pace of economic transformation and upgrading of the country,P2P network lending rapid development in recent years,facing college students group campus loan is rising.As a new model of P2P network lending,Campus loan platform with low access conditions,lending quickly,simple procedures and other features,can meet the college students strong financial and consumer demand.But while providing convenience for the students,The platform also appeared low barriers to entry,students induced by excessive consumption,charges opaque,violence Ibiza problem.On this basis,we can see the development of P2P network lending in our country through campus loan,The paper puts forward some countermeasures and suggestions on strengthening the supervision of the main body,the implementation of classified supervision,improving the construction of university funding system,promoting the construction of credit system,perfecting the relevant laws and regulations of net loan,and strengthening the publicity and education of college students.

关 键 词：P2P网络借贷 校园借贷 征信 

分 类 号：F832.5[经济管理—金融学]