P2P模式下非法集资犯罪的预防研究

发布时间：2019-05-18 10:47

【摘要】：P2P网络借贷平台利用互联网技术为载体,以中间人的身份撮合投资人与借款人完成交易,并收取一定的中介费用来维持平台的运营。P2P网络借贷实现了金融创新,为个人和小微企业的融资需求开辟了新道路,但也面临着一定的犯罪风险。本文通过研究相关学术成果,对P2P模式下非法集资犯罪罪与非罪的分析,并提出预防对策。全文分为引言,正文,结语。引言部分介绍了 P2P网络借贷兴盛的社会背景,并通过近几年数据分析P2P平台频繁跑路而引发犯罪的社会问题。正文主要分为四个部分:第一部分简要概述了 P2P模式下非法集资犯罪,指出其特点和方式。P2P在我国兴起引发了一系列问题,面临着法律风险。P2P问题平台极易涉嫌非法集资犯罪;第二部分主要通过对几个国内的典型案例进行研究,解析P2P模式下的非法吸收公众存款罪和集资诈骗罪以及两罪的界限;第三部分指出了国内P2P模式下非法集资犯罪预防机制存在的缺陷;第四部分主要是根据P2P模式下犯罪预防机制的缺陷提出建议。首先,完善法律法规是当务之急。其次,需建立完善的征信系统服务于平台。然后,可以整合出犯罪行为特征数据库利于对犯罪的分析。再者,应促进不同执法部门之间的协作与互动。此外,借贷平台应该完善自身,规范操作流程。最后,可以加强行业自治以及宣传教育等。P2P对经济社会带来的诸多裨益有目共睹,但是跑路的P2P极易涉嫌非法集资。因此,必须为P2P网络借贷与非法集资犯罪划上鲜明的红线,才能维护金融秩序与法律秩序的稳定。
[Abstract]:P2P network lending platform uses Internet technology as the carrier to broker investors and borrowers to complete transactions as middlemen, and charges a certain intermediary fee to maintain the operation of the platform. P2P network lending realizes financial innovation. It opens up a new road for the financing needs of individuals and small and micro-enterprises, but also faces certain criminal risks. By studying the relevant academic results, this paper analyzes the crime and non-crime of illegal fund-raising under P2P mode, and puts forward some preventive countermeasures. The full text is divided into introduction, main body and conclusion. The introduction introduces the social background of the prosperity of P2P network lending, and analyzes the social problems of crime caused by the frequent running of P2P platform in recent years. The main body is divided into four parts: the first part briefly summarizes the crime of illegal fund-raising under P2P mode, and points out its characteristics and methods. The rise of P2P in our country has caused a series of problems. Facing legal risks. P2P problem platform is easily suspected of illegal fund-raising crime; The second part mainly analyzes the crime of illegally absorbing public deposits and the crime of fund-raising fraud under P2P mode through the study of several typical domestic cases, as well as the boundary between the two crimes. The third part points out the defects of the prevention mechanism of illegal fund-raising crime under the P2P mode in China, and the fourth part mainly puts forward some suggestions according to the defects of the crime prevention mechanism under the P2P mode. First of all, it is urgent to improve laws and regulations. Secondly, it is necessary to establish a perfect credit information system to serve the platform. Then, the database of criminal behavior characteristics can be integrated to facilitate the analysis of crime. Furthermore, cooperation and interaction between different law enforcement departments should be promoted. In addition, the lending platform should improve itself and standardize the operation process. Finally, industry autonomy and publicity and education can be strengthened. Many benefits of P2P to economy and society are obvious to all, but running P2P is easy to be suspected of illegally raising funds. Therefore, it is necessary to draw a bright red line between P2P network lending and illegal fund-raising crime in order to maintain the stability of financial order and legal order.
【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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