刑法介入互联网金融的两面性

On Dual Character of the Criminal Law Involved in Internet Finance

相对于传统金融,互联网金融具有明显的优势,但其潜在的刑事法律风险同样不容忽视。互联网金融创新活动极易涉嫌洗钱犯罪、非法集资类犯罪、非法经营罪、职务犯罪以及信用卡犯罪等刑事犯罪,因此刑法对其介入十分必要。刑法在介入互联网金融领域时,需要鼓励、保护创新,坚持刑法谦抑性,恪守罪刑法定原则,以保证互联网金融市场向着良性循环的方向发展。

Compared with traditional banking,Internet banking has obvious advantages,but its potential criminal legal risks cannot be ignored.Internet financial innovation is very easy to be suspected of money laundering crime,illegal fund-raising crimes,illegal business crimes,crimes of duty and credit card crimes and other criminal offenses,so it is very necessary for the criminal law to intervene.When the criminal law into Internet financial field,it is desirable to encourage and protect innovation,adhere to the modesty of criminal law,abide by the principle of a legally prescribed punishment for a specified crime so as to ensure a virtuous cycle development of the Internet financial markets.