郑德幸的悲剧使面向在校大学生的互联网消费金融服务被推到了风口浪尖。这种消费贷款模式不同于分期购物必须以购买商品为前提,消费贷款能直接从提供服务的平台那里获取现金,随意支取使用,缺乏对资金用途的监管。京师律师事务所互联网金融法律事务部主任、高级合伙人左胜高律师表示,根据《最高人民法院关于审理民间借贷案件适用法律 The tragedy of Mr Cheng has pushed the Internet consumer financial services for college students to the cusp. This consumer loan model is different from the staging of shopping must be based on the premise of the purchase of goods, consumer loans can be obtained directly from the platform to provide cash services, free access, the lack of supervision of the use of funds. According to Supreme People’s Court Zuo Shenggao, director of the Internet Finance Law Department and a senior partner of Beijing Capital Law Office, according to the Law of the Supreme People’s Court on the Trial of Law Applicable to Private Lending