上海自贸试验区互联网金融创新中刑法介入的合理边界

Reasonable Boundary of the Intervention of Criminal Law in Internet Financial Innovation of China(Shanghai)Pilot Free Trade Zone

互联网金融是上海自贸试验区金融创新实现弯道超车的重大机遇,但监管的缺失也导致其破坏性日益凸显。本文首先对互联网金融的主要业态及内生性刑事法律风险进行了类型化分析,并从互联网金融立法体制、法律责任体系的设计逻辑、刑法规制的导向、被害人过错等角度对现行刑法介入互联网金融的边界进行了反思,由此提出刑法合理规制互联网金融的基本原则与制度构想:坚持事前防控和行政监管、纠纷处置民事责任优先、恪守刑法谦抑性、适度收缩刑法介入的范围和边界,为上海自贸试验区金融制度创新提供法制保障。

Although internet finance is a great opportunity for overtaking around the corner of financial innovation of China（Shanghai）Pilot Free Trade Zone,the absence of supervision has made its destructiveness increasingly clear and obvious.This paper first makes a typification analysis of main formats and endogenous criminal law risks of internet finance,reflects the boundary of the intervention of existing criminal law in internet finance of China（Shanghai）Pilot Free Trade Zone from the perspectives of legislative system of internet finance,the design logic of legal liability system,the orientation of criminal law regulation and victims＇ fault,and hereby proposes basic principles and system concept of reasonably regulating internet finance：adhering to prevention control in advance and administrative supervision,giving priority to civil liabilities in dispute resolution,keeping to the modesty of criminal law,properly shrinking the extent and boundary of the intervention of criminal law,so as to provide legal protection for financial institutional innovation of China（Shanghai）Pilot Free Trade Zone.