关于校园贷的刑法规制

在互联网金融迅速发展的今天，提前消费的理念已经成为在校大学生的生活习惯和方式，校园贷的产生及迅猛发展缓解了大学生的消费负担和生活压力，提高了社会闲散资金的利用率，但由于我国在校园贷方面的刑法规制尚不健全，从而导致校园贷呈现畸形发展的态势并出现了一些违法犯罪行为，严重侵害了大学生的合法权益，扰乱了正常的社会秩序。现如今，“校园贷”成为了危害青少年的代名词，这就要求我们要重视这一问题并采取有效措施去规制校园贷的发展。本文首先从最常见、最典型的由校园贷引起的恶性事件中引起对此问题的思考，其次对校园贷做出系统的介绍，包括校园贷的定义、类型等，然后总结出校园贷恶性事件中存在的问题以及原因，最后阐述在刑法领域应当对校园贷出现的种种问题应该做出怎样的规制才能更好的保护青少年的合法权益和维护社会经济发展。
关键词：校园贷；问题；刑法规制措施
On the Criminal Law Regulation of Campus Loans
ABSTRACT
With the rapid development of Internet finance today, the concept of early consumption has become the living habit of college students. The emergence and rapid development of campus loans have eased the consumption burden of college students, and increased the utilization rate of idle funds in the society. Due to the imperfect criminal laws and regulations on campus loans, it has led to abnormal development of campus loans and some illegal and criminal behaviors, which seriously violated the legitimate rights and interests of college students and disrupted the normal social order. Nowadays, "campus loan" has become synonymous with endangering young people, which requires us to aim at this problem and take effective measures to regulate the development of campus loan. This article first starts thinking about this problem from the most common and typical vicious events caused by campus loans, and then makes a introduction to campus loans, including the definition and tapes of campus loans, and then summarizes the vicious events of campus loans The problems and reasons that have arisen, finally, focus on what kind of regulation should be made to the various problems of campus loans in the field of criminal law in order to better protect the legitimate rights and interests of young people and safeguard the social and economic development.
Keywords: campus loan; problem; criminal laws and regulations
 
目  录
引  言 1
一、校园贷概述 1
（一）校园贷的定义 1
（二）校园贷的类型 2
（三）校园贷的特点 2
1.校园贷对象具有特殊性 2
2.校园贷内容具有多样性 2
3.校园贷市场具有广阔性 2
4.校园贷交易具有便捷性 2
5.校园贷行业缺乏规范性 3
（四）刑法视角下的校园贷 3
二、校园贷存在的问题 3
（一）校园贷问题的成因分析 3
（二）校园贷主要问题总结 4
1.款项借贷门槛过低 4
2.校园贷变非法高利贷 4
3.非法暴力催缴贷款 4
三、校园贷刑法规制措施 5
（一）校园贷犯罪事件的司法实践 5
1.“裸贷”类 5
2.诈骗类 5
3.“涉黑”类 5
（二）对校园贷刑法规制的必要性 6
1.校园贷暴力催贷问题时有发生，触及法律边缘 6
2.高校学生个人信息易泄露、名誉前程尽毁 6
3.校园贷“灰色地带”较广 6
（三）对校园贷中各类犯罪行为的刑法规制 6
1.非法传播淫秽物品罪及非法传播淫秽物品牟利罪 6
2.侮辱罪 7
3.侵犯公民个人信息罪 8
4.非法拘禁罪 8
5.诈骗罪 8
6.组织、领导、参加黑社会性质组织犯罪 9
7.敲诈勒索罪 9
结 语 10
 

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