浅议P2P网络借贷平台经济犯罪特征及防范对策

Humbly Discuss Characteristics of Economic Crime and Countermeasures Involved in Loaning Platforms of P2P Web

2013年是互联网金融元年,P2P网络借贷因其普惠、快捷、灵活的特点得到了迅猛的发展。但伴随着行业的高速发展,零门槛的中国P2P网络借贷市场也产生了大量平台倒闭、经济犯罪案件,并由此引发群体性事件。鉴此,在简要阐述P2P平台概念的基础上,结合公安经侦工作实践,从梳理P2P平台经济犯罪类型、分析涉嫌经济犯罪平台特征入手,引入风险量化理念,提出P2P平台信用风险防范对策,力求更好地发挥情报导侦作用。

2013 was the first financial year when P2 P web loaning developed fast because of features of its favor, convenience and flexibility. However, with its fast development, many loaning markets of P2 P web without entry preconditions in China have bankrupted and numerous economic crimes have occurred, which has led to riots. Because of this, based on the description of P2P concept, combined with practice in economic criminal investigation, summarizing economic crime type of P2 P, analyzing the features of this kind of crime, introducing the notion of measuring risks in the quantitative way, this paper puts forward countermeasures to prevent P2 P risks so as to make it possible for information-led investigation to play a more important role.