P2P网贷平台涉嫌违法违规自融行为特征分析

Analysis on the behavioral characteristics of the illegal self-financing through P2P net loan platform

通过对P2P网贷行业相关资料和办理的相关案件分析发现,P2P网贷平台在涉嫌违法违规自融过程中,往往都表现出这样一些行为特征:平台控制中间账户或利用私人账户介入资金往来,形成资金池;平台发布的项目借款时间过短;平台借款人高度集中,单笔投资额巨大;平台借款标的信息不明确,虚构借款标的;平台设立多家关联平台;采用第三方资金存管有名无实;平台或者关联公司对借款项目自担保等。了解和掌握这些行为特征,可以为各地相关部门对P2P网贷平台运营情况的排查工作以及相关犯罪案件的侦查工作提供参考。

Based on the analysis on the related information of P2 P net loan industry and the related cases, the author finds that in the illegal self-financing process of P2 P net loan platform, often show the following behavioral characteristics： the platform controls the intermediate account or uses private accounts to involve in funding dealings to form a capital pool; the project loan time that the internet published is too short; the borrower is highly concentrated with huge single investment; the information of the loan subject is not clear or with a fictitious loan subject; establishes a number of related platforms; a fake third-party of funds management; the platform or the related companies guarantee the loan project by themselves, etc.Understanding and mastering these behavioral characteristics, can provide a reference for local authorities to investigate the operation of the P2 P net loan platform and the related criminal cases.