Hello, online lending is an information intermediary model, and the matching between investors and borrowers is being formulated. Belonging to the legal mode, we need to pay attention to moral hazard. Answer for you, hope to adopt.

Second, the state also provides online loans to college students.

First, the legal provisions of campus online loans

Add the list prohibited by articles 1 and 12 as article 13.

The prohibited behavior was increased from 12 in the original draft for comments to 13. Among them, "the transfer of creditor's rights between non-investors is prohibited, and the high-risk areas of financing information intermediary services are no longer provided." Add prohibited behavior.

2. Determine the loan ceiling.

Previously, the rumor of "single natural person and legal person loan limit" in the industry was confirmed, which clearly stipulated the upper limit of the loan balance of the same borrower in the same online lending institution and different online lending institutions. Li Junfeng, director of the inclusive finance Department of the China Banking Regulatory Commission, revealed at the press conference that the borrowing limit of a single individual and a single natural person on one platform is 200,000, that of a single institution and a legal person on a single platform is 6.5438+0 million, that of a single natural person on multiple platforms is 6.5438+0 million, and that of a single legal person on multiple platforms is 5 million and 6.5438+.

3. Determine the bank depository system of P2P funds.

It is determined that banking financial institutions will implement a third-party depository system for P2P online loan funds, and confirm the relevant principles of the previous Guidelines for Depository of P2P Funds (Consultation for Regulatory Opinions).

4.P2P supervision should follow the principle of "double responsibility"

The Interim Measures for the Management of Online Loans divides the functions of the CBRC and local financial regulatory agencies, and implements the principle of "double responsibility", that is, the CBRC and its dispatched offices supervise online lending business and will formulate a supervision system for online lending business activities; Local financial regulatory agencies are responsible for the supervision of online lending institutions.

5. Implement the system of qualified investors.

The Inter-bank Lending Measures (hereinafter referred to as the Measures) clearly put forward the implementation of lender classification and risk assessment, that is, the implementation of the qualified investor system, and the protection of lenders' right to know and make decisions through measures such as risk disclosure.

6. filing system, not licensing system: lenient entry and strict management

The "Measures" implement the non-licensing management system as a whole, and replace the prior supervision with the post-event management supervision, that is, the filing system is implemented, which means "lenient entry and strict exit". It is a denial of the license management system reported by the industry and the media before. Li Junfeng, director of the inclusive finance Department of the China Banking Regulatory Commission, said at the press conference that the Measures set up negative list management according to the negative list model, and at the same time, according to the requirements of simple administration and decentralization, put online lending institutions on record for management, instead of our traditional license. It is necessary to achieve the management of what we call "online lending" institutions through post-event supervision.

Article 674 of the Civil Code (effective from 202 1 1) The borrower shall pay the interest within the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.

Three, the National Development Bank student loans how to use Alipay repayment?

1. Log in to Alipay account-Application Center-Repayment-Repayment of student loans.

2. Enter the borrower's Alipay account number, ID number and verification code to inquire about loan repayment information. Anyone who logs into his Alipay account can enter the above information of the borrower here, inquire about the loan information and repay the loan. )

3. Check the repayment amount and repay the loan.

4. Enter cashier payment

5. The repayment was successful.

After the above steps, you can successfully repay the student loan through the internet.

Extended answer:

1. Let's go to Alipay official website first.

2. After entering, we enter the Alipay account number and password, and then click Login.

3. After logging in, we go to the bottom of Alipay page and click the arrow in the figure.

4. We click Add.

5. We found the student loan repayment in the pop-up page and clicked it in.

6. Enter the following interface, and then click I want to repay.

7. Enter the account number and your ID number of the loan you borrowed at that time, enter the verification code, and then click Query Repayment Information.

8. At this time, you will see your loan information. After selecting, click Next.

9. Choose the repayment method and the repayment bank.

10. So the repayment was successful.