P2P网络借贷平台的刑事风险与规制

The Criminal Risk and Regulation of The P2P Network Lending Platform

P2P网络贷款平台作为一种新兴的金融交易模式,随着互联网的进一步普及而迅猛发展。但相比于国外P2P网络借贷平台相对安全的运营模式和较为完善的监管制度,我国大量出现的P2P网络借贷平台仍然存在许多问题与风险,其中不乏众多刑事风险与漏洞。由于行业缺乏监管,乱象丛生,导致了一系列侵害投资者利益和扰乱金融秩序的恶性事件。P2P网络贷款平台自身介入借贷活动是否构成非法吸收公众存款罪也是各界学者讨论的热点。对于P2P网络借贷平台的发展及其存在的风险应如何管控仍需进一步的探讨。

As a new financial transaction model, P2P network lending platform has developed rapidly with the development of Internet. But compared to foreign P2P network lending platform＇ s security business model and comprehensive the regulatory system, China＇s massive P2P network lending platform still exist many problems and risks, including criminal risk. The lack of industry regulation, chaos, led to a series of vicious incidents which infringed the interests of investors and disrupted the financial order. It is a hot topic of discussion that whether the behavior of the P2P network lending platform is the crime of illegal absorbing public deposits which involved in lending activity. We still need to further explore the development of P2P network lending platform and how to control risk.