校园贷本质上属于民间借贷，校园贷的法律行为属于借款合同，由于借贷双方主体上的特殊性与借贷操作的混乱随意性，现实中校园贷存在着多重法律风险。从合同法角度看，存在合同无效的风险；从侵权法角度看，存在侵犯公民人身权利等民事权益的风险；甚至许多校园贷平台在贷款催收方面可能触及到犯罪问题而引发刑法关注。针对校园贷乱象，现有的规制措施主要是各部门下发的文件规定，但并不能有效控制上述法律风险。笔者将针对校园贷行为中借款人和放贷平台之间存在的法律风险，提出个人对规制路径方面的思考和建议。

Campus loan is essentially a folk loan, and the legal behavior of campus loan belongs to the loan contract. Because of the particularity on the subject of the borrower and the borrower, and the confusion and arbitrariness of the borrowing operation, there are multiple legal risks in the reality of campus loan. From the perspective of contract law, there is a risk of invalid contract; from the point of view of tort law, there is a risk of infringement of civil rights, such as citizen's personal rights, and even a lot of campus loan platforms may touch the crime problem and cause criminal law concern. In view of campus loan chaos, the existing regulation measures are mainly the documents issued by various departments, but they can not effectively control the above legal risks. In the light of the legal risks between the borrowers and lending platforms in the campus loan behavior, the author puts forward some personal suggestions and suggestions on the regulation path.