互联网金融之刑法探析

Analysis on the Internet Finance of Criminal law

成本低、门槛低、收益高是互联网金融具有的特性,它确实打破了地域和时间的限制,实现了碎片化理财,给小额投资者提供了新的理财选择。但是,由于相关法律的滞后与缺位,互联网金融已经凸显出互联网金融理财机构法律定位不明、法律缺失留下监管真空、涉网金融犯罪现象凸显等问题,严重阻碍了互联网金融理财的健康、快速、可持续发展。加强互联网金融理财的风险管理和监管,是我国乃至全球各国政府面临的一道重大课题。

Low cost, low threshold, high income are the features of internet finance, which indeed broke the limits of the region and time, make the fragmentation of financial management come true, provide new financial options for half penny investors. However, due to the lag of the relevant laws, internet finance have already some problems such as the unknown location of legal position of financial institutions, regulatory vacuum by legal absence, financial crimes involve in- ternet, which hinder the healthy, rapid and sustainable development of internet finance seriously. To strengthen the risk management and supervision of internet finance is a major issue for our country and the world.