P2P網(wǎng)貸平臺(tái)非法集資行為的刑法規(guī)制研究

P2P網(wǎng)貸平臺(tái)非法集資行為的刑法規(guī)制研究

P2P網(wǎng)貸平臺(tái)非法集資行為的刑法規(guī)制研究

摘要：

P2P網(wǎng)貸平臺(tái)的迅速崛起給借貸行業(yè)帶來(lái)了巨大的變革，但與此也暴露了一些問題。其中，P2P網(wǎng)貸平臺(tái)非法集資行為成為公眾關(guān)注的焦點(diǎn)。本文通過對(duì)P2P網(wǎng)貸平臺(tái)非法集資行為進(jìn)行深入分析，并結(jié)合刑法規(guī)制的研究，探討了如何建立適用于P2P網(wǎng)貸平臺(tái)非法集資的刑事責(zé)任機(jī)制。

關(guān)鍵詞：P2P網(wǎng)貸平臺(tái)；非法集資行為；刑法規(guī)制；刑事責(zé)任機(jī)制

一、引言

P2P網(wǎng)貸平臺(tái)的興起推動(dòng)了借貸行業(yè)的發(fā)展，但也帶來(lái)了非法集資行為的問題。如何有效規(guī)制P2P網(wǎng)貸平臺(tái)非法集資行為，保證金融市場(chǎng)的穩(wěn)定發(fā)展，是亟待解決的問題。

二、P2P網(wǎng)貸平臺(tái)非法集資的定義和特征

通過對(duì)非法集資行為的定義和特征進(jìn)行闡述，明確了P2P網(wǎng)貸平臺(tái)非法集資行為的本質(zhì)及其對(duì)經(jīng)濟(jì)與金融的危害。

三、P2P網(wǎng)貸平臺(tái)非法集資行為的原因分析

從監(jiān)管不力、法律規(guī)制滯后、信息不對(duì)稱等方面，對(duì)P2P網(wǎng)貸平臺(tái)非法集資行為的原因進(jìn)行深入剖析。

四、刑法規(guī)制對(duì)P2P網(wǎng)貸平臺(tái)非法集資行為的適用性分析

本章節(jié)分析了現(xiàn)行刑法對(duì)于P2P網(wǎng)貸平臺(tái)非法集資行為的規(guī)制是否適用，以及存在的問題和改進(jìn)的方向。

五、建立適應(yīng)P2P網(wǎng)貸平臺(tái)非法集資行為的刑事責(zé)任機(jī)制

根據(jù)前述分析，提出了建立適應(yīng)P2P網(wǎng)貸平臺(tái)非法集資行為的刑事責(zé)任機(jī)制的方案。包括完善法律法規(guī)、加強(qiáng)監(jiān)管手段、優(yōu)化刑事制度等建議。

六、國(guó)內(nèi)外經(jīng)驗(yàn)借鑒與啟示

本章節(jié)從國(guó)內(nèi)外相關(guān)案例中提取經(jīng)驗(yàn)教訓(xùn)，為解決P2P網(wǎng)貸平臺(tái)非法集資行為提供參考。

七、結(jié)論

通過對(duì)P2P網(wǎng)貸平臺(tái)非法集資行為及其刑法規(guī)制的研究，提出了建立適應(yīng)P2P網(wǎng)貸平臺(tái)非法集資行為的刑事責(zé)任機(jī)制的方案，以期在保護(hù)投資者權(quán)益的同時(shí)推動(dòng)P2P網(wǎng)貸平臺(tái)的健康發(fā)展。

參考文獻(xiàn)：

[1]李珊，劉麗.P2P網(wǎng)貸平臺(tái)非法集資的法律探索.金融發(fā)展研究，2018(3):82-87.

[2]張華.P2P網(wǎng)貸平臺(tái)非法集資行為的刑事責(zé)任研究.經(jīng)濟(jì)法學(xué)研究，2019(2):154-160.

[3]徐明.關(guān)于我國(guó)P2P網(wǎng)貸平臺(tái)非法集資刑其犯罪構(gòu)成的幾個(gè)問題的思考.法律科學(xué)，2017(5):130-132.

Abstract:

TherapidriseofP2Plendingplatformshasbroughtaboutsignificantchangestothelendingindustry,butithasalsoexposedsomeproblems.Amongthem,illegalfundraisingactivitiesonP2Plendingplatformshavebecomeafocalpointofpublicconcern.ThispaperanalyzestheillegalfundraisingactivitiesonP2PlendingplatformsandexplorestheestablishmentofacriminalresponsibilitymechanismapplicabletoP2Plendingplatforms.

Keywords:P2Plendingplatform;illegalfundraisingactivities;criminallawregulation;criminalresponsibilitymechanism

1.Introduction

TheriseofP2Plendingplatformshaspromotedthedevelopmentofthelendingindustry,butithasalsobroughtabouttheissueofillegalfundraising.EffectivelyregulatingillegalfundraisingactivitiesonP2Plendingplatformstoensurethestabledevelopmentofthefinancialmarketisanurgentproblemthatneedstoberesolved.

2.DefinitionandcharacteristicsofillegalfundraisingonP2Plendingplatforms

Byelucidatingthedefinitionandcharacteristicsofillegalfundraisingactivities,theessenceofillegalfundraisingonP2Plendingplatformsanditsharmtotheeconomyandfinanceareclarified.

3.AnalysisofthereasonsforillegalfundraisingonP2Plendingplatforms

Thischapterprovidesanin-depthanalysisofthereasonsforillegalfundraisingonP2Plendingplatforms,includinginadequateregulation,lagginglegalregulations,andinformationasymmetry.

4.ApplicabilityanalysisofcriminallawregulationtoillegalfundraisingonP2Plendingplatforms

ThischapteranalyzestheapplicabilityofcurrentcriminallawregulationstoillegalfundraisingactivitiesonP2Plendingplatforms,aswellastheproblemsthatexistanddirectionsforimprovement.

5.EstablishingacriminalresponsibilitymechanismadaptedtoillegalfundraisingonP2Plendingplatforms

Basedonthepreviousanalysis,thischapterproposesaschemeforestablishingacriminalresponsibilitymechanismadaptedtoillegalfundraisingonP2Plendingplatforms,includingimprovinglawsandregulations,strengtheningregulatorymeasures,andoptimizingcriminalsystems.

6.Lessonsandimplicationsfromdomesticandforeignexperiences

ThischapterextractslessonsandexperiencesfromrelevantdomesticandforeigncasesasreferencesforresolvingillegalfundraisingonP2Plendingplatforms.

7.Conclusion

ThroughthestudyofillegalfundraisingactivitiesonP2Plendingplatformsandtheirregulationthroughcriminallaw,aschemeforestablishingacriminalresponsibilitymechanismadaptedtoillegalfundraisingonP2Plendingplatformsisproposed.ThisaimstoprotecttherightsandinterestsofinvestorsandpromotethehealthydevelopmentofP2Plendingplatforms.

References:

[1]Li,S.,&Liu,L.(2018).LegalexplorationofillegalfundraisingonP2Plendingplatforms.FinancialDevelopmentResearch,3,82-87.

[2]Zhang,H.(2019).ResearchonthecriminalresponsibilityofillegalfundraisingonP2Plendingplatfo