“互联网+”背景下金融犯罪的特点及防控对策

Study on Defense Mechanism and Control Strategy of Financial Offense in the Background of “Internet+”

随着互联网技术的快速发展,我国金融业正加速进入到一个向互联网模式转型运营的阶段,并由此产生了多种多样的"互联网+"金融创新模式。然而,风险与机遇并存,由于"互联网+"背景下的各类金融创新活动自身处于方兴未艾的探索阶段,现实中存在着诸多监管问题和违法犯罪风险。我们试从当前"互联网+"背景下我国金融业发展现状出发,结合相关刑事法律研究和工作实践,探析"互联网+"背景下金融犯罪形势特点及防控对策。

With the continuous development of economic and social and the information technology development, in order to meet the investment needs of small borrowers and borrowing needs of small investors, Internet＋ Lending Market, based on information technology, have emerged. The market seems to not only provide a more efficient and convenient channels for both lenders and borrowers, but also be an important complement to traditional lending market. Recently, the Internet＋ financial market has developed and innovated very fast. However, as the development of lending market in countries, the market risk from system level, platform level and the participants is appearing gradually. Apart from that, due to various reasons such as laws and regulations, the credit system, risk of lending market in China focuses more on the platform level. More and more collapsed platform, cash difficulties indicate the development of lending market distortions occurred. Therefore, how to do a reasonable regulation to correct the problem of lending market becomes a problem concerned by regulators, practitioners and researchers. However, for an emerging market, it is necessary to control risk, but also protect the innovation capability of internet lending market for sustainable development.