First of all, campus loans do not need to bear legal responsibility for property losses caused by boys’ gifts to female anchors. According to my country's Contract Law, when one party gives its property to another party free of charge and the other party accepts it, a gift contract relationship is established between the two parties. Under normal circumstances, once the donated property is transferred, the donation is completed and cannot be revoked. As far as this case is concerned, the college students themselves are adults, have full capacity for civil liability, and can form a correct understanding of the consequences of their actions. He used the loan money as a reward to the female anchor, which was a gift to the female anchor in the sense of contract law. This act did not infringe upon the rights of the state, the collective, or a third party, and there was no evidence to prove that there were other illegal acts during the period, so it was not an invalid legal act, and therefore there was no legal consequence for the return of the act. The boy himself should bear all the civil consequences of the donation.

Secondly, if the campus loan does not provide guarantee to the lender in any way, it does not need to bear legal responsibility for the property losses caused by the loan relationship between the boy and the lender. Vice versa, it should bear responsibility. Campus loans are legally an online loan platform. Under normal circumstances, students who obtain loans through campus loans establish a private lending relationship with the actual lenders who have settled on the platform. According to the provisions of my country's "Judicial Interpretation of Private Lending", borrowers and lenders form a lending relationship through an online loan platform. The provider of the online loan platform only provides intermediary services. If the party requests it to bear guarantee liability, the People's Court will not support it. However, if the provider of an online loan platform expressly states through web pages, advertisements or other media or has other evidence to prove that it provides guarantee for loans, and the lender requests the provider of the online loan platform to bear the guarantee liability, the people's court shall support it.

Finally, if Campus Loan fails to perform its reasonable review obligations and causes boys to suffer property losses on the platform, the Campus Loan platform should be liable for compensation within the scope of its fault liability. Because according to the provisions of the Tort Liability Law, if an Internet service provider knows that an Internet user is using the Internet to infringe on the civil rights of others and fails to take necessary measures, it shall be jointly and severally liable with the Internet user. This means that if a lender commits an infringement through a campus loan and the campus loan fails to stop it in time, it will be jointly and severally liable.