互联网金融创新的刑法介入问题研究

Research on the criminal law intervention of internet finance innovation

为了在促进金融创新与防控刑事风险中寻求平衡,刑法介入互联网金融应保持合理的限度:在立法方面,应以刑法的谦抑性为总体指导原则,让前置法与刑法形成有效的衔接机制,对金融犯罪的保护法益重新审视与调整;在司法方面,应以罪刑法定原则为总体制约机制,恪守二次违法性理念,采用社会危害性与刑事违法性的双重入罪标准,厘清金融创新与金融犯罪的界限。

In order to find a balance between promoting financial innovation and preventing and controlling criminal risks,the criminal law should maintain a reasonable limit when it comes to internet finance.In terms of legislation,the modest and restraint of the criminal law should be the overall guiding principle,and the preamble and the criminal law should form an effective connection mechanism,and should re-examine and adjust the protection of legal interests in financial crimes.In the aspect of judicature,the principle of statutory crimes and penalties should be used as the overall restraint mechanism,adhere to the concept of secondary illegality,adopt the double criminalization standards of social harm and criminal illegality,and clarify the boundary between financial innovation and financial crime.