With the rapid development of the Internet，the new Internet lending model represented by P2P has been sought after by college students.The “weak supervision，weak regulation”campus network lends itself to such vicious events as college usury，“naked loans” and violent collection. Especially female college students are involved. Based on the analysis of the causes of the chaos in China's campus network lending，this paper puts forward the corresponding countermeasures，and discusses the legal treatment of the related problems involved in the“naked loans”in the campus loans.