我国P2P网络借贷中的犯罪研究

发布时间：2018-05-11 05:49

本文选题：P2P网络借贷 + 非法吸收公众存款罪　；参考：《深圳大学》2016年硕士论文

【摘要】：近年来,P2P网络借贷作为互联网创新的新兴行业在我国迅速发展。根据网贷之家公布的数据,P2P网络借贷平台在2015年年底数量已达2595家,同比增长了65%,与2014年相比多了将近1000家。P2P网络借贷平台凭借互联网快速便捷成本低的优点,为大量手握闲散资金的民间投资者提供了新的投资平台,同时也帮助难以在传统金融机构贷款的中小企业融资。但是,P2P网络借贷在我国快速发展的过程中,为了牟取更大利益而渐渐走上了异化的道路。P2P网贷平台不再恪守中介人的角色,而是开始归集资金池,出售理财产品,朝着非法集资的方向发展。更有不法分子借用P2P网络借贷平台的热度,利用庞氏骗局骗取投资人的资金。2015年全年问题平台数量就达到896家,是2014年的3.26倍。在此背景下,2015年国家相关部门相继出台了《关于审理民间借贷案件适用法律若干问题的规定》、《关于促进互联网金融健康发展的指导意见》、《网络借贷信息中介机构业务活动管理暂行办法(征求意见稿)》,为进一步规范P2P网络借贷行业打下了基础。国家鼓励互联网金融发展的同时,也加强了对其的监管措施,让P2P行业逐渐走上健康发展的道路。本文共分为四个部分:第一部分对P2P网络借贷的发展背景进行介绍。该章总共分为三节:第一节界定了P2P网络借贷的概念;第二节阐述了P2P网络借贷的兴起和发展;第三节阐述了P2P网络借贷的特点与价值。第二部分对P2P网络借贷在我国发展的现状与问题进行分析。该章分总共为三节:第一节阐述了我国P2P网络借贷的多元化;第二节阐述了我国P2P网络借贷在运营中存在的问题;第三节阐明了刑法介入P2P网络借贷的必要性。第三部分阐述了我国P2P网络借贷中的犯罪认定。该章总共分为三节:第一节阐述了P2P网络借贷中非法吸收公众存款罪的认定;第二节阐述了P2P网络借贷中集资诈骗罪的认定;第三节阐述了刑法规制的司法适用。第四部分对我国P2P网络借贷中的犯罪防范进行阐述。该章总共分为两节:第一节从行政监管层面分析P2P网络借贷中的犯罪防范;第二节从执法规制层面分析P2P网络借贷中的犯罪防范。
[Abstract]:In recent years, P2P network lending as a new industry of Internet innovation has developed rapidly in China. The number of P2P online lending platforms reached 2595 at the end of 2015, an increase of 65 percent over the same period last year, and nearly 1000 more than in 2014. It provides a new investment platform for private investors who have plenty of free money and helps small and medium-sized enterprises that have trouble lending to traditional financial institutions. However, in the course of the rapid development of P2P network lending in China, in order to gain more benefits, the P2P network loan platform has gradually embarked on the way of alienation. The P2P network loan platform has ceased to abide by the role of intermediary. Instead, it has begun to pool funds and sell financial products. The trend towards illegal fund-raising. Even more lawbreakers used the popularity of P2P online lending platforms to use the Ponzi scheme to defraud investors. The number of troubled platforms reached 896 in 2015, 3.26 times the number in 2014. In this context, in 2015, the relevant departments of the state issued the regulations on the Application of Law in the trial of Private loan cases, the guiding opinions on promoting the healthy Development of Internet Finance, and the Internet Lending Information intermediary institutions. Provisional measures for Management of Business activities (draft for comments) >, laid the foundation for further standardizing the P2P network lending industry. While encouraging the development of Internet finance, the state has also strengthened its regulatory measures to gradually put the P2P industry on the path of healthy development. This paper is divided into four parts: the first part introduces the development background of P2P network lending. This chapter is divided into three sections: the first section defines the concept of P2P network lending; the second section describes the rise and development of P2P network lending; the third section describes the characteristics and value of P2P network lending. The second part analyzes the current situation and problems of P2P network lending in China. This chapter is divided into three sections altogether: the first section expounds the diversification of P2P network lending in China; the second section expounds the problems existing in the operation of P2P network lending in China; the third section expounds the necessity of criminal law intervention in P2P network lending. The third part describes the crime of P2P network lending in China. The chapter is divided into three sections: the first section expounds the crime of illegally absorbing public deposits in P2P network lending; the second section expounds the identification of the crime of fund-raising fraud in P2P network lending; the third section expounds the judicial application of criminal law regulation. The fourth part expounds the crime prevention in P2P network lending in our country. This chapter is divided into two sections altogether: the first section analyzes the crime prevention in P2P network lending from the administrative supervision level; the second section analyzes the crime prevention in P2P network lending from the law enforcement regulation level.
【学位授予单位】：深圳大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D924.3;D922.28

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