P2P网络集资刑法规制范围之试限缩

The trial limit of the scope of the criminal law system for P2P network

P2P网络集资的现有模式可分为传统中介平台模式与“异化”模式。分析P2P网络集资本身的互联网特性与司法实践中的案例可知,“异化”模式因易引发P2P网络集资无法发展,应被纳入刑法规制范围,传统中介平台模式虽受法律保护,但其模式下的P2P网络集资仍具有涉嫌非法吸收公众存款罪的刑事风险。因此,应立足于非法吸收公众存款罪的现有刑法规定,以适当提高该罪入罪数额门槛与细化该罪出罪条款来避免刑法过度介入P2P网络集资的发展,为P2P网络集资以及互联网金融提供相对宽松的生存创新环境。

The existing model of P2P network fundraising can be divided into traditional intermediary platform mode and “alienation” mode.Analysis of the Internet characteristics of the capital of the P2P network and the cases in the judicial practice can be seen that the “ alienation” model cannot be developed because of the susceptibility to P2P network fundraising,and should be included in the scope of criminal law.Although the traditional intermediary platform model is protected by law, its mode P2P network fund raising still has the criminal risk of suspected illegal absorption of public deposits.Therefore,it should be based on the existing criminal law provisions for the crime of illegally absorbing public deposits,to appropriately raise the threshold for the crime of guilty and to refine the guilty provisions of the crime to avoid excessive involvement of criminal law in the development of P2P network fundraising,which can provides a relatively relaxed survival and innovation environment for P2P network fundraising and internet finance .