Abstract: At present, the network lending platform for college students is the admixture of good and bad, which brings convenience to students, while its harmfulness is also emerging gradually. The disorderly development of network lending has a negative impact on the stability of the financial market, the purification of social environment, the normal education management of the school and the healthy growth of students. Therefore, it is necessary for state, enterprises, schools, and individuals to carry out comprehensive governance, through the improvement of laws and regulations, the construction of social credit system and industry self-regulation, the enhancement of user credit system, and the development of education assistance to guide students' constraints of the correct concept of consumption, cultivate healthy life style, gradually reduce the risk of network lending, and create a healthy and orderly campus environment.