Abstract
Campus loans refer to the behavior of students borrowing money from all kinds of loan platforms. Some data show that the student group, especially college students, will pass the economic pressure of online loan, so in recent years, the college financial service industry has become one of the fastest growing product categories of P2P finance. However, because college students lack certain financial awareness and protection awareness, and if there is no fixed income source, the loan behavior will be easily used by criminals and fall into the trap of bad campus loans. From the relevant reports, the campus loan has become a social problem, and the social impact brought by it is increasingly dangerous to the social order.