2023年校园网贷面临的问题主要有什么 -法律知识-民间借贷纠纷法律援助-法律咨询免费平台-国际律师联盟

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问题	2023年校园网贷面临的问题主要有什么 -法律知识
释义	法律分析：校园网贷面临的问题：一是违反广告法，存在着淫秽、不道德的诱惑侵蚀着校园的精神文化和影响着学生正确价值观形成。二是校园贷款的利率已经远远超过正常的利率。三是校园贷平台风控不到位。四是还款期限违背偿债能力。法律依据：《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》第二十六条借据、收据、欠条等债权凭证载明的借款金额，一般认定为本金。预先在本金中扣除利息的，人民法院应当将实际出借的金额认定为本金。
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