网络借贷平台刑法规制再审视  

Re-examination of Criminal Law Regulations on Online Lending Platforms

作　　者：张启飞 虞纯纯 ZHANG Qi-fei;YU Chun-chun

机构地区：[1]浙江警察学院法律系 [2]华东政法大学博士后流动站 [3]浙江省杭州市滨江区人民检察院第二检察部

出　　处：《江苏警官学院学报》2023年第1期22-28,共7页Journal of Jiangsu Police Institute

基　　金：浙江省教育厅课题“网络借贷平台刑法规制问题研究”(Y201839155);中国博士后科学基金资助项目“数字货币的刑法保护研究”(2020M681245)。

摘　　要：在我国,网络借贷平台的发展已经历了初始发展、急剧扩张、风险爆发、退市萧条等阶段。由于网络借贷平台的性质长期定位不明、非法占有目的认定标准模糊、非法集资案件立案标准不尽合理等原因,网络借贷平台的经营活动容易发生异化,并触犯非法吸收公众存款、集资诈骗等罪名。为促进互联网金融持续健康发展,应重新审视我国刑法在打击网络借贷平台所涉相关犯罪的标准,明确网络借贷行为的出入罪标准。只有明确网络借贷平台刑法规制的界限,才能更好地发挥刑法保障法的作用,促进金融创新。In China, the development of online lending platforms has experienced initial development, rapid expansion, risk outbreak, delisting depression and other stages. Due to the unclear nature of the long-term positioning of online lending platforms, vague identification standards for the purpose of illegal possession,unreasonable filing standards for illegal fund-raising cases and other reasons, the business activities of online lending platforms are prone to alienation, and violate the charges of illegally absorbing public deposits,fund-raising fraud and so on. In order to promote the sustainable and healthy development of Internet finance,it is necessary to re-examine the criminal law standards of cracking down on crimes related to online lending platforms, and clarify the standards of access crime of online lending behavior. Only by clarifying the boundary of criminal law regulation of online lending platforms can we better play the role of the guarantee law of criminal law and promote financial innovation.

关 键 词：互联网金融 网络借贷平台 刑法规制 金融刑法 

分 类 号：D924.3[政治法律—刑法学]