校园贷问题研究  

Research on the Problem of Campus Loan

作　　者：唐子艳[1] 程思绮 Tang Ziyan;Chen Siqi(Wuhan University of Technology,Hubei 430070,P.R.Chin)

机构地区：[1]武汉理工大学文法学院,湖北武汉430070

出　　处：《江西科技师范大学学报》2018年第3期30-36,共7页Journal of Jiangxi Science & Technology Normal University

摘　　要：校园贷是非金融机构向在校学生发放贷款的一种民间借贷行为。由于缺乏行业自律和外部监管,校园贷乱象丛生。校园贷并不可怕,可怕的是不受控制的校园贷行为给学生、学校和社会带来的不良影响。所以,对待校园贷,要管疏结合。既要对校园贷行为进行严格管理,加大利用校园贷进行违法、犯罪行为的组织或者个人的打击力度,又要允许正常民间借贷行为的存在和发展。遏制校园贷乱象,不仅要限制发贷方的行为,追究其责任,还要考虑对借款方的教育和引导,这需要家庭、学校和社会的共同努力。campus loan is a kind of private lending behavior of non-financial institutions to make loans to college students. Due to the lack of industry self-discipline and external supervision, campus loan industry is in disorder. Campus loan is not terrible, but what threatened us is the negative impact on students, schools and society, caused by uncontrolled campus loan behavior. Therefore, it is necessary to combine the management and guidance for governing campus loans. On the one hand, conducting strict management on campus loans is of great significance. We should increase the intensity of crackdown on organizations or individuals, who use the campus loan for illegal and criminal activities. On the other hand, the existence and development of legal private lending activities should be allowed. To curb the campus loan mess, not only should we discipline the behavior of lenders and stipulate its responsibilities, but also pay attention to the education and guidance of the borrower, which requires the joint efforts of families,schools and society.

关 键 词：校园贷 乱象 治理 引导 

分 类 号：D922.23[政治法律—经济法学]