P2P模式下非法集资犯罪行为分析及预防对策研究

The Analysis of Illegal Fund-Raising Crime Behavior and Preventive Measures under P2P Mode

P2P网络借贷在其发展过程中出现了许多运作模式,虽然运作模式多种多样,但是由于行业细分尚未完成,所以这些模式中普遍存在着监管漏洞,因而产生了许多问题、爆发了大量金融风险。其中,非法集资犯罪层出不穷,与此同时,随着互联网技术的日益进步和行业的进一步成熟,犯罪手段日益多样化,给投资者带来了极大的经济损失,对于行业发展和社会经济带来了恶劣的影响,不利于社会稳定。通过对这些犯罪行为的分析,总结其特点,有利于对这些犯罪行为的预防,同时针对此类犯罪行为产生的原因,可以进一步规范P2P行业的运作模式,发挥P2P行业在促进我国经济发展中的重要作用。

There are a lot of operational modes in the development process of P2P lending, in which exist many vulnerability and problems due to the lack of regulation, especially the outbreak of the financial crime. At the same time, with the further progress of Internet technology and the industry, the criminal means is increasingly diverse. It makes the investors great economic losses and the industry and the society development a negative influence/which is not conducive to social stability. It is conducive to the prevention of these crimes that we do the analysis of these crimes and summarizes its characteristics. Besides, we can further regulate the operational mode of the P2P industry, and make it playing an important role in promoting China＇s economic development according to the reasons..