论网络非法集资犯罪侦防对策——以P2P网贷平台为视角

The Countermeasures of Investigating and Preventing the Crime of Illegel Frand-raising on the Internet——From the Perspective of P2P Network Loan Platform

P2P网贷平台作为一种新型融资平台,具有传统金融工具无法比拟的传播范围广、吸引性强、融资快等特点,使传统银行难以覆盖的借款人在虚拟世界里能充分享受贷款的高效与便捷。然而,由于行业门槛低,监管缺失等问题,近年来的频繁"爆雷"引发多家P2P网贷平台倒闭或者跑路,给众多投资者造成了极大的损失,也给公安机关带来了侦查压力。从侦查途径与犯罪防控上着手,提高该类案件的侦办效率和防控水平,遏制网络非法集资犯罪蔓延的触手,促进P2P网贷行业的健康稳定发展。

P2P Web Loan as a new developing financing platform,it includes the characteristics of spreading widely,attracting strongly,financing quickly.These characteristics caused the situation to march swiftly.Lacking of management,low threshold and the improvable constitutional problems,also increase a huge chance of illegal fun 8.These years,the frequency of"crisis"caused many P2P Web Loan platform collapse or disappears,brings many inventors tremendous losses.At the same time,brought police to the overwhelming pressure in investigation,specially on evidence collection and investigation method appears inefficient and passive during the early stage of investigation.Targeting these issues,we would need to start from the investigation method and crime prevention to improve this type of case Investigation efficiency and prevention level,stop the spreading of illegal fundraising.Maintaining the P2P Web Loan industry in a healthy stabilized evolution.