“校园贷”类P2P平台面临的风险隐患及监管对策

"校园贷"类P2P平台与传统借贷和信用卡相比,具有门槛低、零首付、额度大、放款迅速和快捷方便等优点,同时也存在信息审核不严、高利率、高违约金等风险,并会进一步衍生暴力逼债、高利贷、非法经营、交易欺诈等违法违规问题。应切实加强"校园贷"类P2P平台监管,明确P2P平台监管主体,完善监管制度规范,全面排查风险,强化宣传防范和分析预警,开展专项打击,督促"校园贷"类P2P平台加强行业自律、守法经营,堵塞监管漏洞,推进"校园贷"P2P金融服务平台规范运作。

Risks and Supervision Countermeasures of"Campus Loan"P2P Platform

Compared with the traditional lending and credit card business , the "Campus loan"P2P platform has such advantages as low threshold , zero down payment , large amount and quick and convenient loans , but at the same time, some risks, for example, not strict information examination , high interest rates, high penalties for the breath of contract , cannot be avoided , which leads to further illegal behaviors , involving asking for payment of debt by violence, granting illegal loans, doing illegal business and so on .Therefore, we should strengthen the supervi-sion of campus loan P2P platform, specify the supervising subjects , improve the regulatory system , reduce the in-vestigating risks , do more propaganda and carry out some special attacks to urge the "campus loan"P2 P platform to comply with industry self-regulation and law regulations.Only in this way, can the"campus loan"P2P platform be more normative on the financial services platform .