P2P网贷中集资行为的刑法规制

发布时间：2018-04-16 16:32

本文选题：互联网金融 + P2P网络借贷　；参考：《海南大学》2017年硕士论文

【摘要】：随着互联网金融中P2P网络借贷模式的迅速发展,实现了社会闲散资金聚集,为中小微企业与创业人员提供了便捷的融资渠道,同时满足了投资者多元化的投资需求。国家鼓励互联网金融发展有利于促进市场经济模式的转变,但迅速发展的同时,缺乏法律法规有效规制和监管,P2P网络借贷集资行为极易构成非法吸收公众存款、非法经营、集资诈骗等犯罪。对于P2P网络借贷集资行为一方面鼓励发展解决企业正当融资问题,另一方面应运用刑法手段对非法集资平台进行规制,然如何解决,新经济模式理论和实务对此争论难以有明确定论,有必要进行全面梳理与厘定。鉴于此,本文展开了 P2P网络借贷中集资行为的刑法规制问题的探讨。全文分为四个部分:第一部分是P2P网贷概念厘定、起源与发展历程。探索了传统P2P网络借贷模式与创新型网贷模式概念区别,以及中外发展演变进程,为新时期P2P网络借贷平台集资问题提出解决办法。新时期P2P网络借贷模式应界定为从事网络借贷信息中介服务活动的第三方平台,借助互联网技术为出借者与借贷者提供借贷金融服务的金融模式。第二部分为P2P网络借贷集资行为刑法介入的必要性与可能性。P2P网络借贷非法集资行为法益侵犯程度深、波及面广,健全的法律规范体系可以为规制P2P网络借贷中非法集资行为提供法律基础。互联网技术的发展,尤其是技术侦查手段进步,为侦查机关利用技术侦查手段解决跨越时间与空间的网络借贷平台非法集资犯罪行为提供技术保障。第三部分是P2P网贷集资犯罪行为刑法规制路径。突破信息中介角色的网络借贷平台,可触犯刑法相关罪名。本部分探索了非法吸收公众存款、非法经营、集资诈骗等罪名的适用前提、犯罪成立条件,认定犯罪时应注意集资犯罪行为与合法借贷行为之分,以及此罪与彼罪的异同点。同时对于认定网络借贷非法集资行为是否构成犯罪、构成何种犯罪应考虑刑法谦抑性,提高入罪门槛。第四部分是国家对于P2P网络借贷行为应加强监管体制完善和健全。通过完善法律监管、行业自律管理体制引导互联网金融健康发展。根据市场经济发展适时修改刑事法律,通过司法解释适度推动P2P网贷非犯罪化。
[Abstract]:With the rapid development of P2P network lending model in Internet finance, social idle capital gathering has been realized, which provides convenient financing channels for small and medium-sized enterprises and entrepreneurs, and meets the diversified investment needs of investors.While the state encourages the development of Internet finance to promote the transformation of the market economic model, the lack of effective regulation and supervision of laws and regulations for the collection of funds through P2P network loans is extremely easy to constitute an illegal absorption of public deposits and illegal business operations.A crime of fund-raising, fraud, etc.On the one hand, P2P network borrowing and financing behavior encourages the development of enterprises to solve the problem of legitimate financing, on the other hand, criminal law should be used to regulate illegal financing platform, but how to solve the problem.The theory and practice of the new economic model are difficult to make a clear conclusion of this argument, so it is necessary to sort out and define it in an all-round way.In view of this, this paper discusses the criminal law regulation of P2P network borrowing.The paper is divided into four parts: the first part is the definition, origin and development of P2P network loan.This paper probes into the conceptual differences between the traditional P2P network lending model and the innovative network loan mode, and the development and evolution process of China and foreign countries, and puts forward solutions to the problem of raising funds for the P2P network loan platform in the new period.In the new era, P2P network lending mode should be defined as the third party platform engaged in network lending information intermediary service, and the financial model of providing loan financial service for lenders and borrowers with the help of Internet technology.The second part is the necessity and possibility of the criminal law intervention of P2P network borrowing and financing.A sound legal system can provide a legal basis for the regulation of illegal fund-raising in P2P network lending.The development of Internet technology, especially the progress of technical investigative techniques, provides the technical guarantee for investigating organs to use technical investigative techniques to solve the criminal behavior of illegally raising funds from the network loan platform spanning time and space.The third part is the path of criminal regulation of P2P network financing.Breaking through the role of information intermediary network lending platform, criminal law-related offences can be violated.This part explores the applicable premise of the crime of illegally absorbing public deposits, illegal management, financing fraud and so on, the conditions of establishing the crime, the distinction between the crime of raising funds and lawful borrowing, and the similarities and differences between the crime and the crime.At the same time, we should consider the modesty of criminal law and raise the threshold of incrimination in order to determine whether the illegal financing of network loan constitutes a crime and what kind of crime to constitute.The fourth part is that the state should strengthen the supervision system for P2P network lending.Improve legal supervision, industry self-discipline management system to guide the healthy development of Internet finance.According to the development of market economy, the criminal law should be amended in time, and P2P network loan should be decriminalized through judicial interpretation.
【学位授予单位】：海南大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D924.3

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