我国P2P网贷犯罪刑法适用完善研究

发布时间：2018-06-14 11:47

本文选题：P2P网贷 + 犯罪　；参考：《安徽大学》2017年硕士论文

【摘要】：在互联网金融的大背景下,我国P2P网贷发展势如破竹,但是近些年,P2P网贷犯罪却日趋严重,并且由于P2P网贷犯罪涉众广、危害大,社会危害性强,已经成为危害我国金融安全的重要因素。面对众多P2P网贷犯罪问题,司法的介入已经显得非常迫切,但是司法介入是有尺度,不仅不能面对新生事物全盘否定,而且要给与P2P网贷更多的司法空间,当然对于恶意犯罪行为要给与严厉打击。由于P2P网贷属于比较新颖的经济模式,P2P网贷犯罪涉及的主要犯罪在刑法领域又是重难点问题,所以有必要进一步进行探讨研究。做到准确的裁定P2P网贷犯罪行为。本文主要通过选取社会当中有关P2P网贷犯罪热点问题进行分析,比如东方创投案、借贷宝案件。在探讨犯罪问题或者是刑法适用问题之前,我们要弄清楚P2P网贷发展状况,尤其是要P2P网贷发展中存在的问题,因为P2P网贷发展中存在的问题很多是触犯刑法的行为。比如P2P网贷资金链断裂导致跑路,这里面很可能就触犯非法吸收公众存款罪和集资诈骗罪,这也是本文要探讨的两个罪名,当然对P2P网贷犯罪认定要具体问题具体分析,对于可能触犯的非法吸收存款罪从其基本特征展开研究,因为按照现有法律规定以及相应的司法解释,非法吸收公众存款罪的四个基本特征是认定非法吸收存款罪的重点,也是在司法实务当中容易发生歧义的地方,这是本文对该罪的研究重点。对于集资诈骗罪则主要从其主观要件以非法占有为目的着手研究,包括对借款资金的用途,以及归还原因上展开分析,并对非法吸收公众存款罪和集资诈骗罪进行区分进行区分。另外,本文又对两罪在立法上和司法认定上存在的问题展开阐述。比如近些年来对于非法吸收存款罪存废就有很激烈的争论,当然面对这些问题很多人保持折中观点,即保留该罪但在适用上进行限制,笔者也是非常赞同的。对于集资诈骗罪的认定问题,笔者也是把目光放在主观要件认定这一重难点上。通过探讨这些问题,也是希望能够做到更加精细和精准的司法认定,要做到准确打击P2P网贷犯罪行为。同时刑法在适用当中要秉持谦抑性的原则,对于很多轻微的违法犯罪行为给与较轻的处罚或者免于处罚,做到打击P2P网贷犯罪行为与保护P2P网贷发展相一致。最后,笔者通过对P2P网贷犯罪的实证分析,研究刑法介入P2P网贷犯罪的尺度,分析P2P网贷犯罪问题,发现刑法在适用或者立法上可能存在的瑕疵,提出一些在立法上和司法上的建议。因为只有不断完善刑事立法和司法适用,使其能够与现代经济发展想适应,纠正现在P2P网贷发展中存在的乱象问题,才能够为互联网金融P2P网贷保驾护航,为互联网金融创新创造提供宽松的司法环境和法律氛围,切实的为社会经法发展服务。笔者也是立足于P2P网贷犯罪和司法适用上,深刻研究P2P网贷犯罪涉及主要罪名在司法适用和立法上的不足,希望为后来学者做更进一步的研究提供一点点的帮助。
[Abstract]:Under the big background of Internet finance, the development of P2P net loan in our country is becoming more and more serious, but in recent years, the P2P net loan crime is becoming more and more serious, and because of the widespread, harmful and harmful social harmfulness of the P2P net loan crime, it has become an important factor endangering the financial security of our country. It is often urgent, but judicial intervention is a scale, not only can not face new things completely negation, but also to give P2P net loan more judicial space, of course, the malicious crime should be severely hit. Because P2P net loan belongs to a relatively new economic model, the main crime involved in the crime of P2P net crime is a heavy difficulty in the field of criminal law. Therefore, it is necessary to further study and study. To make a accurate decision on the P2P net loan crime. This article mainly through the selection of social P2P net loan hot issues of crime analysis, such as the eastern investment case, loan treasure cases. Before discussing the crime problem or the application of the criminal law, we should make clear the P2P net loan. The development situation, especially the problems that exist in the development of P2P net loan, because there are many problems in the development of P2P net loan, such as the breaking of the P2P net loan fund chain, which may offend the crime of illegally absorbing the public deposit and the crime of collecting capital fraud. This is the two crime to be discussed in this article, of course, P2P net. The definition of the loan crime should be analyzed concretely, and the basic characteristics of the crime of illegal absorption of deposits are studied, because the four basic characteristics of the crime of illegally absorbing the public deposit are the key points of the crime of illegally absorbing deposits according to the existing legal provisions and the corresponding judicial interpretations. It is also easy to send in the judicial practice. Where the crime is born, this is the focus of the study of this crime. For the crime of fund-raising fraud, the main objective of the crime is to study the illegal possession of its subjective elements, including the use of the loan funds and the reasons for the return, and distinguish between the crime of illegal absorption of public deposits and the crime of collecting fraud. The problems of the two crimes in the legislative and judicial cognizance are expounded. For example, in recent years, there is a very fierce debate about the deposit and abolition of the crime of illegally absorbing deposits. Of course, many people face these issues to maintain a compromise view, that is, to retain the crime but to limit its application. The author also puts his eyes on the important and difficult point of determining the subjective elements. Through the discussion of these problems, it is hoped that the judicial cognizance can be made more precise and accurate, and that the criminal behavior of P2P net loan should be dealt with accurately. At the same time, the criminal law should uphold the original rule of modesty in the application of the criminal law, and give a lot of minor offenses. The lighter punishment or exemption from punishment, to combat P2P net loan crime and the protection of the development of P2P net loan. Finally, the author through the empirical analysis of the P2P net loan crime, study the scale of the criminal law involved in P2P net loan crime, analyze the problem of P2P net loan crime, find the possible defects in the criminal law in the appropriate use or legislation, and put forward some of the problems The legislative and judicial suggestions, because only the continuous improvement of criminal legislation and judicial application, so that it can adapt to the development of modern economy, correct the current P2P network loan development in the disorder problems, can the Internet Finance P2P net loan escort, to create a relaxed judicial environment and legal atmosphere for the creation of Internet financial innovation. On the basis of the P2P net loan crime and the judicial application, the author deeply studies the deficiency of the P2P net loan crime involving the main crimes in the judicial application and the legislation, hoping to provide a little help for the later scholars to do further research.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D924.3

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