随着互联网的迅速发展,以大学生群体为借款对象的校园网贷现象越来越多。但是,由于大学生的法律意识与防范意识低下,针对校园借贷的法律与监管落后,这就使得学生往往深陷高额贷款,甚至出现违法犯罪的问题。因此,提高校园网贷的规范性,加强学生对校园网贷经济风险的认知,提高风险防范。 With the rapid development of the Internet, there are more and more campus net loans targeting college students. However, due to the low awareness of law and prevention among undergraduates, the law and regulation of campus lending are lagging behind, which makes students often fall into high-grade loans and even commit crimes of law and committing crimes. Therefore, to improve the normative nature of campus network loans, to enhance students’ awareness of the economic risks of campus network credit, and to enhance risk prevention.