摘 要由于互联网的迅速发展以及传统商业银行模式的限制，互联网金融业迅速崛起，例如网络银行、p2p 等以及一些小额贷款也层出不穷。 随着互联网的迅速发展，网络信息良莠不齐，互联网监管逐渐显得力不从心。有的人靠着互联网发家致富，也有人因为互联网被骗光积蓄。比如“校园贷” ，就深受社会所痛恨，因为有些非法“校园贷”间接夺走了一些还不起贷款的学生的生命，对于社会来说“校园贷”就是害虫一般的存在。所以本文通过校园贷的危害来指出互联网金融监管不足的地方，并且提出相关建议，使得互联网金融发展越来越健康.关键词：校园贷；互联网金融监管；大学生；p2pAbstractDue to the rapid development of the Internet as well as the limitations of traditional commercial banking model, the rapid rise of Internet financial industry, such as online banking, p2p, etc. as well as some small loans are endless. With the rapid development of Internet, network information varies greatly, Internet regulation gradually appeared to be inadequate. Some people rely on the Internet to get rich, it was also because the Internet shorn savings. For example, "Campus loan", it is hated by the community, because some illegal "school loan" indirectly took away some of the students from the loan's life, for society, "campus credit" is the presence of insects in general. Therefore, this paper points out the shortcomings of the Internet to financial regulation by local school loan hazards, and make relevant recommendations, making the Internet more and more healthy financial development.Keywords:Campus loan; Internet financial regulation; College Students；p2p目录引论1一、描述“校园贷”的现象，产生的原因或背景1（一）校园贷产生的背景 2（二）高校学生使用校园贷的现状分析6二、由“校园贷”引发的关于互联网金融监管的思考，思考其不足的地方9（一）互联网金融发展的现状9（二）互联网金融背景下校园贷的危害10（三）互联网金融监管不足的地方11三、对校园贷发展的建议与对错以及互联网金融监管不足的地方提...
