Legal analysis: Campus loans are usually divided into three types: 1. The first one is a staged shopping platform for college students, such as fun staging and staging. Some of them also offer lower withdrawal quotas. 2. The second is the P2P loan platform, which is used for college students to help start businesses, such as investment and loans, loans from prestigious schools, etc. 3. Third, credit services provided by traditional e-commerce platforms such as Ali, JD.COM and Taobao.