P2P网贷平台合法融资与非法吸收公众存款罪的界限——以债权转让模式网贷为分析对象

Distinction between Legitimate Financing and the Crime of Illegally Absorbing Public Deposits in P2P Lending Platform Online——Taking the Pattern of Assignment of Debt as a Target

在当前市场对资源配置起决定性作用的形势下,市场参与主体利益的保护力度应随之加大,非法吸收公众存款罪的法益也应由金融管理秩序转变为公众财产安全。如果债权转让模式P2P网贷平台没有真实而全面地向投资者披露债务人信息,或者以担保的方式提供增信服务,则将增加作为社会不特定多数人的投资者误判投资风险,使公众财产安全陷于高度风险之中,进而构成非法吸收公众存款罪。

Currently the market plays a decisive role in resource allocation, therefore market participants＇ interest should be protected more intensively and the legal interest of the crime of illegally absorbing public deposit should be turned into public property safety from financial management order. If the P2P lending platform online of the debt assignment pattern doesn＇t disclose debtors＇ information truly and roundly, or credit does not increase based guarantee service, the risk of investors making wrong judgements will grow and the property of the public will be in risk, and the crime of illegally absorbing deposits from the public will happen.