互联网金融平台的刑事风险及责任边界
发布时间：2018-12-21 12:49
【摘要】：具有"去中心化"性质的互联网金融平台是互联网思维在金融领域内的创新性产物。国内互联网金融平台主要衍化为纯平台模式、担保模式、债权转让模式三大类,可能存在"伪"平台风险、模式风险、中立帮助行为风险等。防范互联网金融平台的刑事风险是规范该行业健康发展的底线。对于以互联网金融之名行资金自融之实的"伪"平台,应依据资金用途限制非法吸收公众存款罪的适用;对于违规提供担保的平台,应给予行政处罚并令其承担连带保证责任;对于违规设立资金池的平台,应视具体情形作出不同处理;对于提供中立帮助行为的平台,应分别从"投资端"、"融资端"视角,对帮助信息网络犯罪构成要件中的"明知"作不同的理解和认定。
[Abstract]:The internet financial platform with the nature of "decentralization" is the innovative product of Internet thinking in the field of finance. Domestic Internet financial platforms are mainly derived from pure platform mode, guarantee mode and creditor's rights transfer mode. There may be "false" platform risk, mode risk, neutral help behavior risk and so on. Preventing the criminal risk of Internet financial platform is the bottom line of standardizing the healthy development of this industry. For the real "false" platform in the name of Internet finance, the application of the crime of illegally absorbing public deposits should be restricted according to the use of funds, and the platform for providing security illegally should be subject to administrative punishment and joint and several guaranty liability. For the illegal establishment of funds pool platform, according to the specific situation should be dealt with differently; To provide the platform of neutral helping behavior, we should make different understanding and cognizance of "knowing" in the constituent elements of helping information network crime from the angle of "investment end" and "financing end" respectively.
【作者单位】： 华东政法大学法律学院;
【基金】：国家社科基金重大项目“涉信息网络违法犯罪行为法律规制研究”(14ZDB147)的研究成果
【分类号】：D924.3
，
本文编号：2388930
[Abstract]:The internet financial platform with the nature of "decentralization" is the innovative product of Internet thinking in the field of finance. Domestic Internet financial platforms are mainly derived from pure platform mode, guarantee mode and creditor's rights transfer mode. There may be "false" platform risk, mode risk, neutral help behavior risk and so on. Preventing the criminal risk of Internet financial platform is the bottom line of standardizing the healthy development of this industry. For the real "false" platform in the name of Internet finance, the application of the crime of illegally absorbing public deposits should be restricted according to the use of funds, and the platform for providing security illegally should be subject to administrative punishment and joint and several guaranty liability. For the illegal establishment of funds pool platform, according to the specific situation should be dealt with differently; To provide the platform of neutral helping behavior, we should make different understanding and cognizance of "knowing" in the constituent elements of helping information network crime from the angle of "investment end" and "financing end" respectively.
【作者单位】： 华东政法大学法律学院;
【基金】：国家社科基金重大项目“涉信息网络违法犯罪行为法律规制研究”(14ZDB147)的研究成果
【分类号】：D924.3
，
本文编号：2388930
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