Campus net loan is a new thing in the field of Internet banking and its rapid development adapts to the young college students consumption in advance, online shopping, and the pursuit of fashion. At this stage, due to the rapid pace of development of the campus net loan, relevant departments in charge of supervision also can not keep up with the pace, inevitably affect some students’ study because of the high debt, and the extreme safety accidents are occurred. In order to maintain the normal teaching continuously, Chinese Government should make the relative laws and regulations to regulate the net loan behavior, schools and families should actively take the initiative to care for students and to train their rational consumption according to their abilities.