摘要
随着大学生消费方式多样化、消费水平的提高,贷款消费在大学生中间越来越普遍。这种消费需求催生出各种各样的网络借贷平台(如借贷宝)和金融分期付款服务(如京东白条、蚂蚁花呗)。但是,我国对于校园借贷的相关立法规制并不完善,以致于校园借贷畸形发展导致裸贷事件的发生。本文拟从裸贷的概念解读和特征分析出发,着重从刑法规制角度为裸贷的有效治理提供法理依据。
With the diversity of college students＇ consumption and the improvement of their consumption level, loan consumption is becoming more and more common among college students. The new consumption demand has spawned a variety of online lending platforms（e.g. Jiedaibao） and financial installment services（e.g. Ant Check Later or Jingdong Baitiao）.However, the related legislation and regulations of campus loan in China are not perfect, so that the abnormal development of campus loan eventually causes the occurrence of naked loan. This article intends to discuss the concept and characteristics of naked loan so as to provide a legal basis for effective governance of naked loans from the perspective of criminal law regulation.
出处
《北京政法职业学院学报》
2017年第3期28-33,共6页
Journal of Beijing College of Politics and Law
关键词
裸贷
特点
刑法规制路径
naked loan
characteristic
criminal law regulation path
