Campus loan refers to the behavior of students borrowing from formal financial institutions or other lending platforms. 2065438+April 2006, the Ministry of Education and the China Banking Regulatory Commission jointly issued the Notice on Strengthening the Prevention and Education Guidance of Peer-to-Peer Lending Risks in Bad Campus, explicitly requiring universities to establish a daily monitoring mechanism and a real-time early warning mechanism for Peer-to-Peer Lending in Bad Campus.

At the same time, establish a mechanism to deal with bad campus peer-to-peer lending. 2065438+September 6, 2007, the Ministry of Education issued a clear statement that "campus loan business is prohibited, and no online lending institution is allowed to issue loans to college students." 2065438+On September 4, 2008, People's Daily published an article "There are chaos in some campuses, such as leaseback loans, job-seeking loans, training loans and entrepreneurial loans".

According to the survey, 8.77% of college students will use loans to obtain funds when they make up for the lack of funds, of which online loans account for almost half. As long as students are in school, they can easily apply for credit loans by submitting materials online, passing the examination and paying a certain handling fee. Financial services for college students have become one of the fastest-growing product categories of P2P finance in recent years.

In 20 15, the Credit Management Research Center of Renmin University of China conducted a survey of nearly 50,000 college students in 252 universities across the country, and wrote the Survey Report on College Students' Credit Cognition.