互联网金融犯罪及刑法规制研究

发布时间：2018-03-17 02:12

  本文选题：互联网金融　切入点：犯罪问题　出处：《南京大学》2017年硕士论文　论文类型：学位论文

【摘要】：在为传统金融的产品和服务所"吸引"和"绑架"的背景下,互联网金融业态悄然出现并迅猛发展,无疑为我们在诸如融资、理财、投资等金融需要方面提供了更多选择,带来了实惠。短短几年,我们对其的认识和了解已然经历了从陌生到熟悉,从放任到监管,从逐步研究到日趋规范的过程。然而,互联网金融独特的发展和创新模式也产生了违法和犯罪风险,甚至某些不法分子直接利用其实施违法犯罪活动。致使短期内爆发了诸如涉嫌非法吸收公众存款、诈骗、信息安全等犯罪的案件,使整个行业的发展处于迷茫状态,给政策监管和法律规制带来了挑战。面对如此复杂的情况,我们应该更加认真地研究暴露的问题,在保持行业健康稳定发展的前提下,适时适当地动用刑法的手段,对严重的互联网金融犯罪行为给予坚决打击。同时,探讨和出台具有前瞻性的、有针对性的、符合实际的互联网金融犯罪的防范措施。本文除了序言和结语外,共分为如下五个部分:第一部分主要是从互联网金融的概念和基本模式入手。对互联网金融进行一个较为全面的梳理和阐述。要搞清楚"互联网金融"到底是什么,其产生的背景及其与传统金融的联系和区别何在,在此基础上,弄清楚其基本的运行模式,诸如融资借贷型的、投资理财型、第三方支付型的、大数据金融型的、等等,从而对不同运行模式如何产生,怎样发展,以及存在的优势和劣势进行探讨。第二部分主要是从列举近年来互联网金融业态下三个比较典型的刑事案例开始。结合对诸如"昆明泛亚案"等的简要分析,引出互联网金融发展和创新中存在的风险,以及随之暴露出的主要问题,包括其迅猛发展中风险的积累和释放,法律规制的现实冲突以及刑法介入的滞后等。通过这些问题的提出,进一步引出对互联网金融违法和犯罪风险及刑法介入的分析。第三部分主要是从互联网金融业态发展涉及的典型犯罪引出。承接前文提出的问题,结合具体的案例和相关法律规定,对诸如集资诈骗罪、非法吸收公众存款罪、洗钱罪、泄露公民信息罪等进行详细探讨和分析。从而更加具体地弄清互联网金融犯罪的主要类型和风险所在,以及不同运行模式在风险释放中存在涉嫌犯罪的可能及其特点。第四部分主要是从互联网金融犯罪的刑法介入层面进行探讨。针对刑法介入的必要性边界和刑法介入的限度性边界,结合前文典型案例和典型犯罪进行系统和全面地分析。力求在刑法介入互联网金融犯罪与促进其健康发展之间的问题上找到合适的契合点,在坚决打击严重互联网金融犯罪的同时,避免刑法过度介入互联网金融违法的问题。第五部分主要是探讨如何防范互联网金融业态的犯罪风险问题。结合前文的分析和探讨,笔者主要从政策引导层面和刑法规制层面两个角度进行阐述。政策引导包括国家层面的、行业层面的以至参与者层面,这应该对风险防范起到主要作用。另外,也从刑法条文的制定、提高入罪标准和司法效率的层面,对犯罪风险的防范进行了大胆地探讨,力求更大发挥刑法的指引和谦抑作用。
[Abstract]:In the "attraction" for traditional financial products and services and "kidnapped" under the background of Internet financial industry is quietly emerging and rapid development, will undoubtedly provide us such as financing, financial, investment and other financial needs to provide more choices, a lot of benefits. Just a few years, our knowledge and understanding of its already experienced from the strange to the familiar, from the laissez faire to supervision, gradually from the research to the increasingly standardized process. However, the Internet financial innovation and unique development mode have made illegal and criminal risk, and even some criminals directly use in criminal activities. The short term broke out as suspected of illegally absorbing public deposits. Fraud, information security and other criminal cases, the development of the whole industry is in a state of confusion, bring challenges to the policy regulation and legal regulation. In the face of such a complex situation, we should be more careful Study on the problems exposed, in the premise of maintaining the healthy and stable development of the industry under the proper use of criminal law means, to resolutely crack down on serious internet financial crimes. At the same time, discussion and introduction of forward-looking, targeted, practical internet financial crime prevention measures. In this paper, besides the preface and the conclusion, is divided into five parts as follows: the first part mainly starts from the concept of Internet banking and Internet banking. The basic pattern of a more comprehensive analysis and elaboration. To understand the "Internet financial" what it is, and the relationship and difference between traditional finance in the background and on this basis, clarify the basic mode of operation, such as financing loan type, investment type, the third party payment type, financial data type, and so on, so as to how different operation mode How to produce, development, advantages and disadvantages are discussed. The second part is mainly from the list of Internet financial industry in recent years under the three typical criminal case. Based on a brief analysis of such as "Kunming Firstasia case", leads to risks of Internet financial development and innovation, as well as the main problems arise the rapid development of including the risk accumulation and release, the reality of the conflict of legal regulation and intervention of criminal law lag. Through these questions, further leads to the illegal crime and Internet financial crime risk analysis and intervention of the criminal law. The third part is a typical crime involved from the Internet financial industry development leads to undertake. The former problems, combined with the specific case and the relevant legal provisions, such as the crime of fraud, crime of illegal absorbing public deposits, money laundering, disclosure of citizen Information such as the crime of detailed discussion and analysis. Thus more specifically understand the Internet financial crime types and risks, and different operation modes and characteristics of the alleged crime may exist in the risk of the release. The fourth part is mainly discussed from the criminal law crime of Internet financial intervention level. The limitation for the necessity of criminal law boundary boundary the intervention and intervention of criminal law, combined with typical cases and typical crime of systematic and comprehensive analysis. In the criminal law involved in Internet financial crime and promoting the healthy development of the problem between finding the right fit, to resolutely fight against serious internet financial crime and criminal law, to avoid excessive intervention of Internet Financial illegal issues. Fifth the main part is to explore how to prevent crime risk problems of Internet financial industry. Combined with the above analysis and discussion, The author mainly from the two aspects of policy guidance and the level of criminal law in this paper. The policy guidance level including national level, industry level and the level of the participants, should play a major role in risk prevention. In addition, from the provisions of the criminal law making, improve the standard of conviction and judicial efficiency level, prevention of crime risk the bold to explore, and strive to play a more important role. The guidance and restraint of criminal law

【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D924.33
，

本文编号：1622700