我国P2P网贷平台法律规制中的刑民分界问题

On the Differentiation between Criminal and Civil Law in Peer-to-Peer Internet Lending Platform Regulation3

P2P网贷平台不断推陈出新的业务模式与运作方式频频遭遇刑法评价上罪与非罪的拷问。刑民分界问题成为处理该领域案件难以回避的争议焦点,主要包括拆标行为、担保行为中的刑民分界问题。处理刑民争议案件应坚持一定的理念与原则,实体法上应贯彻刑事优先理念,"刑法是最后一道屏障"的观念不适用于刑事司法层面;程序法上应根据涉案标的是否具有同一性,妥善处理民事诉讼程序与刑事诉讼程序之间的关系。

Peer- to -peer lending internet platforms continue to introduce and apply new business models and operating patterns which gives rise to a number of problems in conviction of crimes. It becomes an unavoidable issue when it comes to application between civil and criminal law in dealing with such cases like tender - splitting or guarantee - offering p2p model. There are several principles shall be adhered to when facing such problems ： firstly, the doctrine of criminal law prevails over civil law should be implemented which means the saying of criminal law is the last barrier doesn＇t apply in criminal adjudication, and secondly, the relationship between civil and criminal procedure law needs to be properly handled by the homoousia of the involved subject.