Abstract
Recently, College students' net loans developed rapidly, but with various college students' online loans scandals explosion, we realize that there are some problems with college students' net loans. After investigation (486 questionnaires of 6 universities), we drawn the following conclusions: rapid development of college students' online loans exist problems such as insecure information, vacancies in government supervision, imperfect social credit system, immature laws & regulations, and confusion & image crisis in market. The reason why these problems exist is because of the common cause of college students themselves, companies and governments: college students have insufficient understanding of the campus network loan, unreasonable use of loan, not good college students' personal credit, and other factors; Low corporate lending threshold, information asymmetry with students, and uneven quality of lending company; Government lacks legal construction for regulating the market and the construction of credit information system is incomplete. In order to solve the current difficulties, college students should fully understand the campus online loan, develop integrity personality; enterprises should strengthen their own normative construction and operate their business within the framework of laws and regulations; the government should hold the notion of dredge rather than block it to protect development healthy.
Published Version
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