With the development of financial innovation, P2P financial services through the Internet platform, began to enter the campus. Campus network credit plays a positive role in alleviating the consumption of college students, entrepreneurship and other aspects of the shortage of funds, and on the other hand, because of loopholes in the law and regulation loss, "naked loan" chaos will occur, causing intense controversy around society and wide attention. The author attempts to through law analysis on "naked loan" chaos, analyze the underlying social, economic, educational and other reasons, puts forward the countermeasure and thinking of prevention and elimination of"naked loan"chaos, and provides useful suggestions for the healthy development of the campus network credit.%随着金融创新的不断推进，P2P金融服务借助互联网平台开始进军校园，校园网络信贷一方面在缓解大学生消费、创业等多方面资金短缺方面发挥了积极的作用，另一方面因为法律漏洞、监管失位等原因造成“裸贷”乱象横生，引起全社会的强烈争议和广泛关注。笔者试图通过对“裸贷”乱象的法学分析，剖析其背后深层次社会、经济、教育等原因，提出预防和铲除“裸贷”乱象的对策和思考，为规范校园网络信贷的健康发展提供有益的建议。
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