本文選題：互聯(lián)網(wǎng)金融　切入點(diǎn)：犯罪問(wèn)題　出處：《南京大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：在為傳統(tǒng)金融的產(chǎn)品和服務(wù)所"吸引"和"綁架"的背景下,互聯(lián)網(wǎng)金融業(yè)態(tài)悄然出現(xiàn)并迅猛發(fā)展,無(wú)疑為我們?cè)谥T如融資、理財(cái)、投資等金融需要方面提供了更多選擇,帶來(lái)了實(shí)惠。短短幾年,我們對(duì)其的認(rèn)識(shí)和了解已然經(jīng)歷了從陌生到熟悉,從放任到監(jiān)管,從逐步研究到日趨規(guī)范的過(guò)程。然而,互聯(lián)網(wǎng)金融獨(dú)特的發(fā)展和創(chuàng)新模式也產(chǎn)生了違法和犯罪風(fēng)險(xiǎn),甚至某些不法分子直接利用其實(shí)施違法犯罪活動(dòng)。致使短期內(nèi)爆發(fā)了諸如涉嫌非法吸收公眾存款、詐騙、信息安全等犯罪的案件,使整個(gè)行業(yè)的發(fā)展處于迷茫狀態(tài),給政策監(jiān)管和法律規(guī)制帶來(lái)了挑戰(zhàn)。面對(duì)如此復(fù)雜的情況,我們應(yīng)該更加認(rèn)真地研究暴露的問(wèn)題,在保持行業(yè)健康穩(wěn)定發(fā)展的前提下,適時(shí)適當(dāng)?shù)貏?dòng)用刑法的手段,對(duì)嚴(yán)重的互聯(lián)網(wǎng)金融犯罪行為給予堅(jiān)決打擊。同時(shí),探討和出臺(tái)具有前瞻性的、有針對(duì)性的、符合實(shí)際的互聯(lián)網(wǎng)金融犯罪的防范措施。本文除了序言和結(jié)語(yǔ)外,共分為如下五個(gè)部分:第一部分主要是從互聯(lián)網(wǎng)金融的概念和基本模式入手。對(duì)互聯(lián)網(wǎng)金融進(jìn)行一個(gè)較為全面的梳理和闡述。要搞清楚"互聯(lián)網(wǎng)金融"到底是什么,其產(chǎn)生的背景及其與傳統(tǒng)金融的聯(lián)系和區(qū)別何在,在此基礎(chǔ)上,弄清楚其基本的運(yùn)行模式,諸如融資借貸型的、投資理財(cái)型、第三方支付型的、大數(shù)據(jù)金融型的、等等,從而對(duì)不同運(yùn)行模式如何產(chǎn)生,怎樣發(fā)展,以及存在的優(yōu)勢(shì)和劣勢(shì)進(jìn)行探討。第二部分主要是從列舉近年來(lái)互聯(lián)網(wǎng)金融業(yè)態(tài)下三個(gè)比較典型的刑事案例開(kāi)始。結(jié)合對(duì)諸如"昆明泛亞案"等的簡(jiǎn)要分析,引出互聯(lián)網(wǎng)金融發(fā)展和創(chuàng)新中存在的風(fēng)險(xiǎn),以及隨之暴露出的主要問(wèn)題,包括其迅猛發(fā)展中風(fēng)險(xiǎn)的積累和釋放,法律規(guī)制的現(xiàn)實(shí)沖突以及刑法介入的滯后等。通過(guò)這些問(wèn)題的提出,進(jìn)一步引出對(duì)互聯(lián)網(wǎng)金融違法和犯罪風(fēng)險(xiǎn)及刑法介入的分析。第三部分主要是從互聯(lián)網(wǎng)金融業(yè)態(tài)發(fā)展涉及的典型犯罪引出。承接前文提出的問(wèn)題,結(jié)合具體的案例和相關(guān)法律規(guī)定,對(duì)諸如集資詐騙罪、非法吸收公眾存款罪、洗錢罪、泄露公民信息罪等進(jìn)行詳細(xì)探討和分析。從而更加具體地弄清互聯(lián)網(wǎng)金融犯罪的主要類型和風(fēng)險(xiǎn)所在,以及不同運(yùn)行模式在風(fēng)險(xiǎn)釋放中存在涉嫌犯罪的可能及其特點(diǎn)。第四部分主要是從互聯(lián)網(wǎng)金融犯罪的刑法介入層面進(jìn)行探討。針對(duì)刑法介入的必要性邊界和刑法介入的限度性邊界,結(jié)合前文典型案例和典型犯罪進(jìn)行系統(tǒng)和全面地分析。力求在刑法介入互聯(lián)網(wǎng)金融犯罪與促進(jìn)其健康發(fā)展之間的問(wèn)題上找到合適的契合點(diǎn),在堅(jiān)決打擊嚴(yán)重互聯(lián)網(wǎng)金融犯罪的同時(shí),避免刑法過(guò)度介入互聯(lián)網(wǎng)金融違法的問(wèn)題。第五部分主要是探討如何防范互聯(lián)網(wǎng)金融業(yè)態(tài)的犯罪風(fēng)險(xiǎn)問(wèn)題。結(jié)合前文的分析和探討,筆者主要從政策引導(dǎo)層面和刑法規(guī)制層面兩個(gè)角度進(jìn)行闡述。政策引導(dǎo)包括國(guó)家層面的、行業(yè)層面的以至參與者層面,這應(yīng)該對(duì)風(fēng)險(xiǎn)防范起到主要作用。另外,也從刑法條文的制定、提高入罪標(biāo)準(zhǔn)和司法效率的層面,對(duì)犯罪風(fēng)險(xiǎn)的防范進(jìn)行了大膽地探討,力求更大發(fā)揮刑法的指引和謙抑作用。
[Abstract]:In the "attraction" for traditional financial products and services and "kidnapped" under the background of Internet financial industry is quietly emerging and rapid development, will undoubtedly provide us such as financing, financial, investment and other financial needs to provide more choices, a lot of benefits. Just a few years, our knowledge and understanding of its already experienced from the strange to the familiar, from the laissez faire to supervision, gradually from the research to the increasingly standardized process. However, the Internet financial innovation and unique development mode have made illegal and criminal risk, and even some criminals directly use in criminal activities. The short term broke out as suspected of illegally absorbing public deposits. Fraud, information security and other criminal cases, the development of the whole industry is in a state of confusion, bring challenges to the policy regulation and legal regulation. In the face of such a complex situation, we should be more careful Study on the problems exposed, in the premise of maintaining the healthy and stable development of the industry under the proper use of criminal law means, to resolutely crack down on serious internet financial crimes. At the same time, discussion and introduction of forward-looking, targeted, practical internet financial crime prevention measures. In this paper, besides the preface and the conclusion, is divided into five parts as follows: the first part mainly starts from the concept of Internet banking and Internet banking. The basic pattern of a more comprehensive analysis and elaboration. To understand the "Internet financial" what it is, and the relationship and difference between traditional finance in the background and on this basis, clarify the basic mode of operation, such as financing loan type, investment type, the third party payment type, financial data type, and so on, so as to how different operation mode How to produce, development, advantages and disadvantages are discussed. The second part is mainly from the list of Internet financial industry in recent years under the three typical criminal case. Based on a brief analysis of such as "Kunming Firstasia case", leads to risks of Internet financial development and innovation, as well as the main problems arise the rapid development of including the risk accumulation and release, the reality of the conflict of legal regulation and intervention of criminal law lag. Through these questions, further leads to the illegal crime and Internet financial crime risk analysis and intervention of the criminal law. The third part is a typical crime involved from the Internet financial industry development leads to undertake. The former problems, combined with the specific case and the relevant legal provisions, such as the crime of fraud, crime of illegal absorbing public deposits, money laundering, disclosure of citizen Information such as the crime of detailed discussion and analysis. Thus more specifically understand the Internet financial crime types and risks, and different operation modes and characteristics of the alleged crime may exist in the risk of the release. The fourth part is mainly discussed from the criminal law crime of Internet financial intervention level. The limitation for the necessity of criminal law boundary boundary the intervention and intervention of criminal law, combined with typical cases and typical crime of systematic and comprehensive analysis. In the criminal law involved in Internet financial crime and promoting the healthy development of the problem between finding the right fit, to resolutely fight against serious internet financial crime and criminal law, to avoid excessive intervention of Internet Financial illegal issues. Fifth the main part is to explore how to prevent crime risk problems of Internet financial industry. Combined with the above analysis and discussion, The author mainly from the two aspects of policy guidance and the level of criminal law in this paper. The policy guidance level including national level, industry level and the level of the participants, should play a major role in risk prevention. In addition, from the provisions of the criminal law making, improve the standard of conviction and judicial efficiency level, prevention of crime risk the bold to explore, and strive to play a more important role. The guidance and restraint of criminal law

【學(xué)位授予單位】：南京大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：D924.33
，

本文編號(hào)：1622700