摘要
P2P网贷平台拓展了资金融通、支付和信息中介功能,但因监管缺失和能量过度释放不断衍生非法集资等违法犯罪风险。我国互联网金融行业已经进入整顿细化阶段,国家开始对互联网金融进行"穿透式"分类监管,对网贷平台跨界混业经营的无序状况给予有效规范。分析目前"穿透式"监管下问题网贷平台违法违规运作样态,梳理归纳问题网贷平台的数据特征,可以有针对性地提出网贷平台非法集资数据化排查方法。
P2P online lending platform expands the thnction of fund financing, payment and information refinement, and the country has begun to conduct ＂penetrating＂ classified supervision over network finance and effectively regulate the disorder of cross - border mixed operation of online lending platform. The digital screening methods of illegal fund - raising on onhne lending platform can be put forward by analyzing the current operating mode and sorting out and summarizing data characteristics of the problematic online lending platform under the supervision of ＂Penetrating＂.
作者
潘璐
PAN Lu,(Department of Economic Crime Investigation, Shandong Police College, Iinan, Shandong 25020)
出处
《山东警察学院学报》
2018年第5期72-78,共7页
Journal of Shandong Police College
基金
山东省社会科学规划研究项目"山东省互联网金融犯罪防控体系研究"(项目编号:17CHLJ26)
山东警察学院科研项目"互联网金融防治对策研究"(项目编号:YSKYB201503)
山东省软科学研究项目"网贷平台非法集资数据化排查方法"(项目编号:2018RKB03006)的阶段性成果
关键词
网贷平台
非法集资
数据化排查
online lending platform
illegal fund -raising
digital screening
