论互联网金融刑法规制的“两面性”

On "Dual Character" of Criminal Law Regulation for Internet Finance

基于互联网金融目前缺乏完备的征信体系和规范的融资模式等原因,在互联网金融领域容易产生擅自设立金融机构罪、非法经营罪、非法吸收公众存款罪等多种犯罪。这些刑事风险凸显了对互联网金融活动进行刑法规制的必要性。无论是从金融形式的创新角度,还是从互联网金融的价值和作用角度看,互联网金融均是一种重大的金融创新,而这也决定了刑法对互联网金融活动的规制应保持一定的限度性,以免阻滞甚或扼杀创新。针对互联网金融,刑法应当进行限缩性规制,摆正其作为社会最后一道防线的地位,有所为,有所不为。

Based on Internet finance lacking of perfect credit system and normative financing model and other reasons currently,many crimes such as the crime of setting up financial institutions without authorization,the crime of illegal absorb public deposits,the crime of illegal business operations,the crime of fraud in financing,the crime of issuing shares,company and corporate bonds without authorization,the crime of embezeeling funds or Misappropriation,the crime of fraud,theft and so on Likely occur in the field of Internet financial crimes.These criminal risks highlight the necessity of criminal law regulation to Internet financial activities.Both from the point of view in the form of financial innovation,and from the point of view of the value and role of the Internet finance,Internet finance is a kind of important financial innovation,Which determines the criminal law regulation to Internet financial activities should maintain a certain extent,so as not to block or stifle innovation.For Internet finance,criminal law regulation should be narrowed and straighten the last defense line as a social status.