校园贷刑事规制问题研究

互联网金融发展使得新型金融产品应运而生。校园贷具有数额小、效率高、门槛低等优势，吸引了有超前消费需求的在校大学生。由于平台监管缺失、大学生消费非理性等因素，校园贷滋生出了高利贷、骗贷、裸贷等乱象，部分行为还构成了违法犯罪。与其他网络贷款方式相比，校园贷具有借款对象单一性、贷款方式隐蔽性、抵押方式非具象性、催款手段违法性、受害学生犯罪转化性等特征，导致校园贷走入迷途。为了有效规范和严格治理校园贷，可以通过建立犯罪防控体系、促进联合监管、强化学生法治意识等路径，将校园贷引入良性发展轨道，最终实现良好的法律效果和社会效果。

On the Criminal Regulation of “Campus Loan”

Campus loan, an online loan characteristic of small amount, fast lending and low threshold, attracts college students with more consumption demand. However, due to the lack of supervision of the network loan platform and irrational consumption of college students, campus loan has caused the chaos of usury, fraud and nude loan, some being crimes. Different from other online loans, campus loan aims at specific subjects, offers loans in concealment;it also takes non-concrete form of mortgage and illegal dunning methods, and can even drive victim student into crimes. In order to protect the legitimate rights and interests of college students, and to safeguard financial security and social order, it is necessary to establish a crime prevention and control system, promote joint supervision, and to strengthen the supervision and students' consciousness of rule of law so as to guide campus loan into a benign track of development, to achieve good legal and social effects.