试论大学生网贷中的法律关系

近年来,随着我国经济和社会的进步,信息技术的发展,"互联网+"时代悄然而来,校园网贷种新兴的贷款方式在高校大学生群体中如星星之火出现而后迅速转变成燎原之势。校园网贷问题出现的原因在于网贷提供者和贷款大学生双方,为了解决校园网贷的负面影响,笔者试论在校园网贷中各方的法律关系,以求从中找出解决问题的办法。     

浅谈大学生校园网贷行为及防范措施

随着信息网络化的不断发展,网贷越来越多地出现在人们的生活中。而在高校中,网贷变得极其普遍,但这样的校园网贷带给大学生的只有像"雪球效应"一般越滚越大的债务,许多大学生因无法还清债务走上歧途。本文将主要探讨校园网贷行为的现状、原因以及防范措施。     

校园消费网贷法律规制相关问题分析

伴随着我国社会经济的发展与进步,国民生活水平得到了很大程度的提高,人民的生活消费观念也在与时俱进的发生着改变,消费质量显著提升。作为新时代接班人的当代大学生在消费方式中也发生着巨大的变化,传统单一型日常饮食消费行为逐步转变为多元化的消费,如形象消费、人际消费等等。这些多元化的消费背后伴随着大学生超前消费理念的存在,由于自身没有经济来源,校园网贷形式的出现为大学生多元化的消费观念提供了沃土,但是校园网贷背后隐藏的风险也随之而来,越来越多的大学生在网贷的消费观念中越陷越深,最终作茧自缚。本文立足当前校园消费网贷实际情况,首先简要分析了校园网贷的特点,结合校园网贷中存在的现状,简要对消费网贷法律规制相关问题进行了分析。     

“互联网+”视域下地方应用型本科院校校园网贷现状调查及对策研究

校园网贷指高校学生以P2P的方式向网络金融平台借贷的行为。虽然国家教育部和银监会已发出一系列相关整改通知遏制不良网贷,但仍存在部分校园网贷"换妆"上阵,部分大学生深受其害的现象。针对地方应用型本科院校校园网贷现状的科研调查已刻不容缓,如何最大化规避校园网贷风险,保障高校大学生生命财产安全是本文主要内容。     

校园网贷案件的侦查

近些年来,校园网贷案件频发。自从2009年取消大学生信用卡后,越来越多互联网金融进入大学校园,校园网贷于2014年兴起,同时伴随发生的是大量校园网贷案件。大学生因无力偿还校园网贷而被迫自杀的案件屡屡发生,不得不引起社会广泛关注和讨论。本文通过对校园网贷案件侦查,来了解校园网贷的危害及预防方法。     

高职学生“校园网贷”行为心理分析

"校园网贷"是指在校学生通过各类互联网借贷平台进行借款的行为,由于其申请流程简单、审核通过率高、放款速度快的特点,在大学生校园中迅速蔓延,目前已经是我国P2P金融中规模扩大最快的业务板块。本文以"校园网贷"这一现象为对象,简要论述了高职学生"校园网贷"的现状,总结了几点使用"校园网贷"的高职学生的个性特征,并在此基础上对其网贷行为的进行心理分析,为减少高职学生"校园网贷"行为提供参考依据。     

信息化时代引导大学生远离“校园贷”的路径探索

随着互联网+的发展及互联网金融信贷业务监管层面的缺失,使得"校园贷"这种消费现象在我国高校得以迅猛的野蛮生长。然而,随着越来越多的大学生不良信贷业务频发,严重地影响了高校学生学业及金融环境的同时,也体现出"校园贷"业务设计、经营混乱等方面的乱象。为此,本文在"校园贷"发展的关键阶段,从部门监管、征信机制、消费教育、规范市场等层面入手,研究并探寻引导大学生远离"校园贷"的路径。     

浅谈校园“裸贷”产生原因及预防对策

2016年,超过百名女大学生手持身份证借贷的裸照和淫秽视频在网络上传播,高达10G的文件容量不仅污染网络环境并且对受害大学生的身心和发展造成严重影响。为何在媒体频频曝光与相关政策的紧密出台下,"裸贷"现象依旧屡禁不止?本文将结合社会背景剖析"裸贷"乱象的原因,并为取缔"裸贷"、营造健康的校园网贷环境提出对策和建议。     

基于法律视角下不良校园网贷风险防范和教育引导措施

互联网校园网贷是网络金融为弥补大学生资金短缺时消费需求的信贷模式,近几年也是P2P金融发展最迅猛的产品类别之一。可是,由于相关法律法规及监督方面的欠缺,校园不良网贷导致纠纷案件不断出现。笔者将针对法律视角下不良校园网贷风险进行分析,从而提出几点防范对策,希望为校园不良网贷整治管理提供参考。     

浅析高校“校园贷”

在互联网金融迅速发展的时代背景下,便捷的电子商务的出现和快速发展,极大的刺激了高校大学生的消费需求,也为校园贷平台的发展创造了有利条件。但校园网络借贷平台良莠不齐,泥沙俱下,致使出现了"裸贷""高利贷"等诸多乱象,进而带来一定的犯罪风险。如何采取有效措施及时规避校园贷的风险成为热点问题之一。     

Vanadium in foods and in human body fluids and tissues

Using neutron activation analysis, vanadium was analysed in a range of foods, human body fluids and tissues. On the basis of these results and those of other workers, it was concluded that daily dietary intake amounts to some tens of micrograms. Analysis of body fluids (including milk, blood and excreta) and organs and tissues provided an estimate for the total body pool of vanadium in man of about 100 μg. Vanadium was not detectable in blood and urine at the level of 0.3 ng/g, while low levels were found in muscle, fat, bone, teeth and other tissues. The relationship between dietary intake to pulmonary absorption is discussed in relation to the occurrence of vanadium in man-made air particulates. The very low levels found in milks and eggs suggest minimal vanadium requirements in growth. The findings are discussed in the light of previous results and also in relation to the possible essentiality of vanadium.     

Iodine-129 in thyroid and urine in Ukraine and Denmark

Human thyroids collected from Gomel in Belarus, sheep thyroid from Jutland and human urine from Zealand in Denmark were analysed for 129I and 127I concentrations. The ratios of 129I/127I in human thyroid in Gomel are 2.65-11.0 x 10(-9) with an average of 7.21 x 10(-9), which is one order of magnitude higher than those from Asia and South America (10(-10)), but significantly lower than those observed in west Europe (10(-8)). A weak negative correlation (P < 0.05) between 129I/127I ratio in human thyroid and the age of the subjects was observed in Gomel. The average ratio of 129I/127I in sheep thyroids from Jutland of Denmark is 1.81 x 10(-7), which is two orders of magnitude higher than those in south hemisphere, and Asia. It is also significantly higher than those observed in other west European countries before 1984 and that in human thyroid in Gomel. The high thyroid 129I level in Jutland is attributed to the release of reprocessing plants in France and UK. The 129I/127I ratios in human urine in Zealand of Denmark are 0.86-2.86 x 10(-8). The possibility of using urine 129I to evaluate the thyroid exposure to 129I is investigated.     

儿童青少年近视的防控研究进展

儿童青少年近视率一直处于高位并持续上升,严重影响了我国儿童青少年的学习和生活,本研究通过查阅国内外治疗儿童青少年近视相关著作及文献,针对目前儿童青少年近视防控手段的进展,对各治疗方案进行分析和研究。     

德国城乡景观与中国景观问题

2003年,笔者获得德国DAAD(德国国际学术交流基金会)奖励资助,作为访问学者在德国逗留了4个月(4月～8月).在这期间,笔者还考察了法国、丹麦、瑞典和意大利,但我认为还是德国的景观最为优雅和美丽.     

广义文脉与规划设计教育

城市规划设计教育不仅应关注历史化,还应关注自然、社会和经济;不仅应关注地方和传统,还应关注全球和未来。城市规划教育应掌握正确的发展观和方法论,肩负起发展地万脉的历史使命,保护社会公众的利益,推动城市持续发展。     

Perchlorate in raw and drinking water sources in England and Wales

A well‐known use of perchlorate is as a rocket fuel propellant; however, more widespread uses include in munitions and fireworks, and it also occurs naturally. Perchlorate suppresses the thyroid, which can lead to a variety of adverse effects. It is a widespread contaminant in the United States, but limited occurrence data in the United Kingdom exist, and even less for drinking water. Monitoring of 20 raw and treated drinking water sites in England and Wales, covering four seasonal periods, showed that perchlorate is a low‐level background contaminant of raw and treated drinking water. Low concentrations (treated drinking water: <0.020–2.073 μg/L, mean 0.747 μg/L) were detected at every higher‐risk site. The concentrations were comparable in each of the four sampling exercises and no significant trends were apparent relating to the time of year, the type of risk or the method of chlorination. Limited data showed that removal by ion exchange and granular‐activated carbon may occur.     

Lead and cadmium contents in cereals and pulses in north-eastern China

It is known that, unlike Japanese, Koreans or southern Chinese who depend on rice as a major source of energy for daily life, people in north-eastern China rely not only on rice, but on wheat and other cereals and to a lesser extent also on pulses. Cereal and pulse samples were collected from open markets in north-eastern China, and analyzed by inductively-coupled plasma spectrometry (ICP-MS) for two potentially hazardous heavy metals — lead (Pb) and cadmium (Cd). The average Pb level in cereals (31.3 ng Pb/g as a geometric mean) and that of pulses (25.7 ng Pb/g) were similar to each other with no significant difference. Among the cereals, Pb contents were higher in foxtail millet (54.3 ng/g) and lower in maize (35.4 ng Pb/g; grain and flour in combination), wheat flour (28.8 ng Pb/g) and rice flour (22.7 ng Pb/g). Lead levels in two important types of pulses, kidney bean and soybean (24.6 and 30.8 ng Pb/g, respectively), were comparable to the levels in rice and wheat. In contrast, Cd levels were substantially higher in pulses (55.7 ng Cd/g) than in cereals (9.2 ng Cd/g), and among the pulses, Cd in soybean (55.7 ng Cd/g) was significantly higher than that in kidney bean (23.8 ng Cd/g). The possible public health implication of the Pb and Cd levels, especially the high Pb level in foxtail millet (54.3 ng Pb/g) and the high Cd level in soybean (73.5 ng Cd/g), is discussed.     

创新创业教育在高校实践教学中的研究与探索

大学生创新创业教育的开展对高校人才培养体系的完善具有非常重要的意义。针对目前我国高校创新创业教育模式的问题与不足进行探讨,分析研究了创新创业教育的实质,最后重点阐述了在实践教学中如何加强创新思路的引导,建立有效激励机制,开展创新及创业教育的应对策略,促进对大学生实践创新能力、创业就业能力和持续发展能力的培养。     

武汉城市景观文化生态保护建设的问题与对策

城市文化生态是形成城市特色的文化要素。历史古迹,优秀建筑,空间形态,环境特色,作为城市文化生态的显现部分,既是城市文化底蕴直观生动的反映,也是市民的情感港湾和精神家园。理应得到珍惜和保护。该文在系统地概括武汉景观文化生态特点的基础上,重点分析了当前武汉城市景观规划建设中的文化生态问题,提出了武汉今后改进城市景观文化生态规划建设的对策建议。