摘要
校园"裸贷"现象既冲击了社会道德底线,也频触法律红线,社会影响恶劣;其背后投射的则是高校学生网络安全意识与法治意识的匮乏。从民法、刑法、行政法角度对"裸贷"行为逐一剖析可见:从民事法律关系看,"裸贷"属无效民间借贷、放贷人应对自己的侵权行为承担法律责任、网贷平台与借贷双方基于居间法律关系难辞其咎;从刑事法律关系看,放贷人涉嫌多种犯罪;从行政法律关系看,政府监管部门对民间借贷行为负有行政管理职责,公安机关依法应当加大打击力度。因此,校园"裸贷"行为的非法性和危害性没有争议。政府部门有义务加强对网贷平台的监管和打击,社会大众、高校和家庭等外部力量需要协同,以有效防治校园"裸贷"乱象。
The ＂naked loan＂ on campus has hit not only the bottom line of social morality, but also the legal redline. It causes bad social impacts and reflects the lack of network security awareness and legal sense in college students. By analyzing the ＂naked loan＂ behavior one by one from the angle of civil law, criminal law and administrative law, we find that in the view of civil legal relation, the wnaked loanw is an invalid private loan, the lenders should take legal responsibility for their torts, and the internet financial platforms are to blame on the basis of intermediation relationship. In the view of criminal legal relation, the lender is suspected of multiple crimes. In the view of administrative legal relation, the govern-mental supervision departments have administrative responsibilities for private lending behavior and the public security or-gans should strengthen the efforts to attack according to law. In conclusion, there is no dispute that the ＂naked loan＂ be-havior on campus is illicit and harmful. The government departments are amenable to strengthen the supervision and crack down on the internet financial platforms. Also, the external forces such as the public, universities and families should cooperate to prevent and govern the ＂Naked loan＂ effectively.
作者
孟卧杰
唐倩雯
MENG Wo-jie;TANG Qian-wen
出处
《四川警察学院学报》
2018年第2期45-52,共8页
Journal of Sichuan Police College
基金
江苏省高校哲学社会科学重点项目<大学生网络安全法治意识的养成教育研究>(2017ZDIXM041)及其子课题2017年度江苏省大学生实践创新项目重点项目"公安机关侦办校园‘裸贷’案件现状实证研究"(201710329001Z
指导老师:薛宏伟)
关键词
校园“裸贷”
法律关系
法律责任
the ＂naked loan＂ on campus
legal relationship
legal responsibility
作者简介
孟卧杰,（1972-）,男,湖北红安人,江苏警官学院教授,研究方向：宪法学、行政法学、网络政治学、法治理论与实践等;;唐倩雯,（1996-）,女,江苏泰州人,江苏警官学院法律系学生.
