摘要
校园贷发展的经验和教训表明:"高利贷"得有人管,"校园贷"不能一刀切;应通过P2P互联网金融领域规制系统的整体升级换代培育出稳健经营、风控技术完备的金融平台,为大学生提供小额、适度的消费金融产品,让具有合理消费信贷需求和诚信的大学生获得流动资金,还大学生一个正常的校园贷金融生态环境。
As one of the products of the P2 P era, the campus loan is chaotic. The "high-interest loan" has to be managed, but we can't expect a single solution would solve all problems in the case of "campus loan". We should upgrade the overall regulation system of the P2 P internet financial sector to create a sound "campus loan" financial ecological environment.
引文
[1]夏长久.我国网络借贷平台性质、监管及法律责任问题浅析[J].广州广播电视大学学报,2014(01):95-102.
[2]郑春梅,贾姗姗.国内外校园贷平台比较及规制分析[J].财经界,2016(26):349-351.
[3]李旻芮.美国网络借贷平台的监管及对我国的启示[J].法制与社会,2014(21):106-107.
[4]冯果,蒋莎莎.论我国P2P网络贷款平台的异化及其监管[J].法商研究,2013(5):29-37.