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随着互联网移动金融的出现,网贷平台以低成本、低门槛的方式迅速进入校园市场,利用大学生群体存在的盲目攀比消费的心理,这种互联网网贷在校园市场野蛮生长,缺乏有效的监督,导致许多大学生陷入网贷无法偿还的境地,因此通过分析大学生网贷的行为,针对大学生网贷法律监管的现状进行分析的基础上,提出规范大学生网贷行为的法律对策,为我国互联网网贷市场的规范发展提供借鉴。
With the advent of Internet mobile finance, the network loan platform quickly enters the campus market with a low cost and low threshold, and makes use of the blind comparisons of consumer psychology among university student groups. This kind of Internet network loan grows brutally in the campus market and lacks effective supervision So many college students fall into the net loan can not repay the situation. Therefore, by analyzing the college students ’net loan behavior, and based on the analysis of the status quo of college students’ net loan law regulation, this paper puts forward the legal measures to regulate the net loan behavior of college students, Market normative development to provide reference.