数字金融刑事风险的全周期防控  

Full-Cycle Prevention and Control of Criminal Risks in Digital Finance

作　　者：童德华[1] 刚青卓玛 TONG Dehua;GANG Qingzhuoma(Zhongnan University of Economics and Law,Wuhan 430073,China)

机构地区：[1]中南财经政法大学,武汉430073

出　　处：《西南政法大学学报》2025年第2期104-116,共13页Journal of Southwest University of Political Science and Law

基　　金：中央高校基本科研业务费项目“数字金融安全的挑战及重大风险问题的刑事治理”(2722024AK005);中南财经政法大学中央高校基本科研业务费专项资助项目“侮辱型网络暴力的刑事风险创设主体研究”(202410718)。

摘　　要：数字金融业务模式的创新具有业态数字化、架构网络化和业务去中介化的特征。在网络信息技术的影响下,技术风险与传统金融风险的叠加共振诱发了数字金融风险。数字技术与金融业务的结合,使金融犯罪的发生机制、行为模式及关联犯罪的范围都发生了变化。为有效应对数字金融刑事风险的扩散,应当以安全与创新自由有机融合的理念为指引,实现数字金融刑事风险防控的理念转型。数字金融刑事风险全周期防控体系应从事前、事中和事后三个层面进行构建。事前通过统筹国家监管、行业自治和企业自律,形成多主体参与的动态协同监管体系;事中以外部性解释资源保障数字金融刑法解释的能动性转向;事后以司法建议的形式推进数字金融风险的源头治理。The innovative business models of digital finance are characterized by the digitalization of financial activities,the networked architecture of financial systems,and the disintermediation of traditional financial processes.Under the influence of network information technology,the interplay between technological risks and traditional financial risks has given rise to distinctive risks in digital finance.The integration of digital technology with financial operations has transformed the mechanisms of financial crime,altered criminal behavioral patterns,and expanded the scope of related offenses.To effectively address the proliferation of criminal risks in digital finance,a conceptual framework that harmonizes security with the freedom of innovation must guide the prevention and control of such risks.A comprehensive full-cycle prevention and control system for criminal risks in digital finance shall be constructed through three dimensions:ex-ante,in-process,and ex-post.Ex-ante measures involve establishing a dynamic collaborative regulatory framework that includes multiple stakeholders,achieved by coordinating state oversight,industry self-regulation,and corporate compliance.In-process mechanisms focus on ensuring the proactive orientation of criminal law interpretation in digital finance by utilizing externality-based resources to address evolving risks.Finally,ex-post actions aim to facilitate root-cause remediation of digital finance risks through judicial recommendations,thereby institutionalizing preventive measures.

关 键 词：数字金融 刑事风险 全周期防控 公私协同监管 

分 类 号：DF623[政治法律—刑法学]