我国P2P网贷的刑法规制研究

发布时间：2018-04-26 03:20

本文选题：P2P + 网络金融　；参考：《贵州师范大学》2017年硕士论文

【摘要】：P2P网络借贷是通过互联网平台实现个体与个体之间直接借贷的新型网络借贷方式,是一种互联网金融创新,该借贷模式依托网络技术的发展,具有高效便捷的优势,能够在一定程度上解决中小企业融资难问题。但作为一种新型互联网创新金融模式,在其发展过程中也存有金融交易类似的高风险与高收益特点。P2P网络借贷概念的属于舶来品,而依据不同的判断标准可将P2P网络借贷模式进行分类。依据平台是否介入,可将P2P网络借贷模式分为中介模式与债权模式;依据是否存有担保可将P2P模式分为有担保模式与无担保模式,每种模式各有其优势与劣势。但由于我国经济环境与金融体系不完善,再加上P2P网络借贷在其发展过程中发生了异化,产生了一些问题,例如平台提现困难、开展自融、携款跑路等,从严格意义的刑法来讲,其将阻碍P2P网络借贷的发展。因此,急需对P2P网络借贷做出刑法规制,系目前亟待解决的问题刑法应表明其态度。本文以P2P网络借贷的刑法规制为视角,通过分析我国刑法对P2P规制的情况,在尊重法律原理与金融理论的基础上提出完善意见,以期为我国P2P的健康发展做出理论贡献。
[Abstract]:P2P network lending is a new type of network lending method which can directly borrow individuals and individuals through the Internet platform. It is an innovation of Internet finance. This lending model relies on the development of network technology and has the advantages of high efficiency and convenience. To a certain extent, to solve the financing difficulties of small and medium-sized enterprises. However, as a new type of Internet innovative financial model, in its development process, there are similar high risk and high yield characteristics of financial transactions. P2P network lending concept belongs to foreign goods. According to different criteria, P2P network lending model can be classified. According to whether the platform is involved, the P2P network lending model can be divided into intermediary model and creditor's right mode; according to the existence of guarantee, P2P model can be divided into secured model and unsecured mode, each model has its own advantages and disadvantages. However, due to the imperfect economic environment and financial system in our country, coupled with the alienation of P2P network lending in its development process, some problems have arisen, such as the difficulty of making cash out of the platform, developing self-financing, running away with money, etc. From the strict sense of criminal law, it will hinder the development of P2P network lending. Therefore, it is urgent to regulate P2P network lending by criminal law, which is an urgent problem in criminal law. From the point of view of the criminal law regulation of P2P network lending, this paper analyzes the situation of P2P regulation in our criminal law, and puts forward some perfect suggestions on the basis of respecting the principle of law and financial theory, in order to make a theoretical contribution to the healthy development of P2P in our country.
【学位授予单位】：贵州师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D924.3

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