It is illegal to lend money to minors. According to the provisions of the Civil Law, minors are persons with limited capacity for civil conduct, so it is illegal to give loans to minors.
How to prevent juvenile delinquency in school
Parents or other guardians of minors and schools should educate minors not to engage in the following bad behaviors: truancy, staying overnight, carrying controlled knives, fighting, insulting others, forcibly demanding other people's property, stealing or deliberately destroying property, participating in gambling or gambling in disguised form, watching and listening to obscene pornographic audio-visual products and reading materials.
Parents or other guardians of minors and schools shall educate minors not to smoke, drink or engage in other bad behaviors that seriously violate social morality when entering commercial dance halls and other places that are not suitable for minors as stipulated by laws and regulations. No business premises may sell alcohol and tobacco to minors. If primary and secondary school students are absent from class, the school should get in touch with their parents or other guardians in time.
Is it illegal to lend money to college students?
Lending money to college students is not illegal. It is legal for banks to give loans to adult college students, but it is illegal for online loan operators to give loans to college students under the age of 18. According to the law, it is forbidden to provide online loan services to college students under the age of 18, and it is not allowed to conduct false and fraudulent publicity and sales, and it is not allowed to be distributed in disguise through various means. Article 28 of the Guiding Opinions on Banking Risk Prevention and Control issued by CBRC focuses on cleaning up and rectifying campus online loans. Peer-to-peer lending information intermediaries shall not include borrowers who have no repayment ability in the marketing scope, shall not provide online loan services to college students under the age of 18, shall not conduct false fraudulent propaganda and sales, and shall not distribute them in disguised form through various means.
Is it illegal to lend money to college students?
It is not illegal for the four major domestic banks and other formal financial departments to lend loans to college students. If it is an informal lending industry, such as regular lending, it is illegal and criminal. Don't be cheated. Adults are people with full capacity for civil conduct and can independently carry out civil legal acts. /kloc-Minors over 0/6 years old whose main source of livelihood is their own labor income are regarded as persons with full capacity for civil conduct.
Legal analysis
As long as the interest rate agreed by both parties does not exceed 4 times the interest rate quoted in the one-year loan market when the contract is established, private lending will be protected by law. Moreover, college students are people with full capacity for civil conduct and can conduct civil legal acts independently. If the lender requires the borrower to pay interest at the interest rate agreed in the contract, the people shall support it, except that the interest rate agreed by both parties exceeds four times the listed interest rate of the one-year loan market when the contract is established. The "one-year loan market quotation" mentioned in the preceding paragraph refers to the one-year loan market quotation issued monthly by the National Interbank Funding Center authorized by the People's Bank of China from August 20th, 20th, 20th19th. Minors under the age of eight are persons without capacity for civil conduct, and their legal representatives act as agents to carry out civil legal acts. An adult who can't fully recognize his own behavior is a person with limited capacity for civil conduct, and the implementation of a civil juristic act is represented by his legal representative or recognized and ratified by his legal representative; However, civil legal acts that are purely beneficial or suitable for their intellectual and mental health can be implemented independently.
legal ground
People's Republic of China (PRC) Civil Code
Article 18 adult are persons with full capacity for civil conduct and can independently carry out civil juristic act. /kloc-Minors over 0/6 years old whose main source of livelihood is their own labor income are regarded as persons with full capacity for civil conduct.
Nineteenth minors over the age of eight are persons with limited capacity for civil conduct, and they are represented by their legal representatives or approved and ratified by their legal representatives; However, civil legal acts that are purely beneficial or suitable for their age and intelligence can be implemented independently.
Is it illegal to lend money to college students online?
It is legal for banks to give loans to adult college students, but it is illegal for online loan operators to give loans to college students under the age of 18. First, what is the impact of registering a company for college students? 1. College students register their companies during their college years, and the school provides free venture capital and interest-free loans.