本文選題：互聯(lián)網(wǎng)金融 + 非法吸收公眾存款罪��； 參考：《江西財經(jīng)大學》2017年碩士論文

【摘要】：互聯(lián)網(wǎng)金融是傳統(tǒng)金融行業(yè)與互聯(lián)網(wǎng)信息通信技術下實現(xiàn)的投資、支付、融資和信息中介等服務的一種新型金融業(yè)務方式。而刑法為了懲罰違反金融監(jiān)管秩序和實施金融犯罪的非法集資行為,構建了以非法吸收公眾存款罪的為核心的規(guī)制體系。目前,互聯(lián)網(wǎng)金融中的集資行為大多在形式上符合金融監(jiān)管規(guī)定中的非法集資特征,因此導致其發(fā)展受限于刑法規(guī)制。這種規(guī)制方式的認定標準主要還是依靠于金融行業(yè)的行政法規(guī),因而按照這種方式評價集資行為,大量的集資行為會被認為是犯罪。一方面國家提倡互聯(lián)網(wǎng)金融創(chuàng)新,另一方面集資行為觸及犯罪的邊緣,這就造成了金融發(fā)展創(chuàng)新和刑法規(guī)制產(chǎn)生齟齬困境。在《關于促進互聯(lián)網(wǎng)金融健康發(fā)展的指導意見》、《網(wǎng)絡借貸信息中介機構的業(yè)務活動管理辦法》及《證券法(修訂)》等一系列有互聯(lián)網(wǎng)金融法律規(guī)定的出臺,在互聯(lián)網(wǎng)監(jiān)管方面采取新的措施。如果仍然按照以行政法規(guī)為認定標準的刑法規(guī)制方式,必然會導致刑法對互聯(lián)網(wǎng)金融的干預過度,不利于互聯(lián)網(wǎng)金融創(chuàng)新。為了改變金融創(chuàng)新和刑法規(guī)制不相適應的局面,使互聯(lián)網(wǎng)金融監(jiān)管和金融發(fā)展相符合,為了構建合適的規(guī)制方式,作者進行了具體的分析并提出了解決方案。文章通過分析互聯(lián)網(wǎng)金融中進行籌資行為的三種模式,并結合具體案例進行歸納互聯(lián)網(wǎng)金融中非法集資行為的主要特征,揭開其“神秘面紗”�；ヂ�(lián)網(wǎng)金融涉及人數(shù)眾多且傳播地域范圍廣,籌資方式復雜、募集金額巨大,因此,互聯(lián)網(wǎng)金融籌資一旦出現(xiàn)問題所造成的影響巨大。眾籌、P2P網(wǎng)絡借貸平臺以及類余額寶模式下的三種籌資方式中因為具備吸收資金的特性和投資收益的返還性的特征,極易觸及非法集資的紅線,通過分析籌資模式的運作方式以及相關的行業(yè)監(jiān)管規(guī)則剖析了其中存在的風險,這些籌資模式在行為上的偏移很有可能觸犯集資詐騙罪和非法吸收公眾存款罪。在探討存在的風險性境況下分析了目前我國刑法對互聯(lián)網(wǎng)金融中的非法集資行為規(guī)制現(xiàn)狀以及對規(guī)制過程中存在的主要問題進行闡述。刑法對于互聯(lián)網(wǎng)金融非法集資行為并沒有前置監(jiān)管,多數(shù)情況下由于刑法的規(guī)定,一些金融行為目前只能通過行政法規(guī)來進行規(guī)制,而刑法只能在非法集資類罪名下針對存在的犯罪構成要件進行判定,因此一些金融行為打著法律的擦邊球而僥幸未受處罰。經(jīng)濟持續(xù)發(fā)展下在規(guī)制過程中出現(xiàn)了金融創(chuàng)新和刑法規(guī)制的齟齬。通過闡述當前刑法規(guī)制的現(xiàn)狀,明確刑法規(guī)制非法集資是為了維護金融業(yè)務的管理秩序,規(guī)制的認定標準也是以行政法規(guī)為基礎,根據(jù)刑法謙抑性的理論基礎,強調(diào)刑法介入互聯(lián)網(wǎng)非法集資的必要性,同時也闡明了刑法對其規(guī)制的過程中應當須適應金融發(fā)展的需要,在規(guī)制和放開金融創(chuàng)新過程中得到平衡。此外,金融監(jiān)管對刑法規(guī)制非法集資行為做出改變。刑法的規(guī)制方式應當結合金融發(fā)展和互聯(lián)網(wǎng)監(jiān)管規(guī)則相適應。在互聯(lián)網(wǎng)監(jiān)管體系尚未完全之時,刑法對現(xiàn)有非法集資行為的規(guī)制方式應當進行改良,使之既能夠?qū)ヂ?lián)網(wǎng)金融犯罪進行打擊,又不會遏制金融創(chuàng)新。
[Abstract]:Internet banking is the traditional financial industry and the Internet information communication technology to achieve the investment, payment, a new way of financing and financial business information intermediary services. And criminal acts of illegal fund-raising in order to punish violations of financial supervision order and the implementation of financial crime, constructed by the crime of illegal absorbing public deposits as the core of the regulation system at present, fund-raising behavior of Internet banking in the most consistent with the financial regulations, illegal fund-raising features in form, thus leading to the development of criminal law is limited to that standard. The regulation of the main or depends on the financial industry regulations, so the evaluation in this way a large number of fund-raising fund-raising behavior, behavior will be considered is a crime. On the one hand the country to promote internet financial innovation, on the other hand touches the edge of crime fund-raising behavior, which resulted in the development of financial innovation The new criminal law and dispute predicament. In < guidance on about promoting the healthy development of Internet banking, "business activity management measures on the network credit information agency and the Securities Law (Amendment)" and a series of provisions of Internet Financial Law in the Internet network management to take new measures if still. In accordance with the administrative regulations for the way of criminal law standards, will inevitably lead to criminal intervention on the Internet financial excess, is not conducive to the Internet financial innovation. In order to change the financial innovation and regulation of criminal law can not adapt to the situation, the Internet financial supervision and financial development is consistent, in order to construct the appropriate mode of regulation, the author makes concrete analysis and solution is put forward. Through the analysis of three modes of financing behavior of Internet finance, combined with the specific case summarized the Internet Financial The main features of illegal fund-raising behavior, uncover its mystery. Internet banking involves a large number and geographical spread of a wide range of financing complex, raising the amount is huge, therefore, the Internet financial financing once the impact caused by the magnitude of the problem. All the chips, three kinds of financing P2P network lending platform and the balance of treasure mode the return of the characteristic absorption with fund characteristics and investment income, easy to touch the illegal fund-raising red line, through the analysis of financing mode of operation and supervision of the relevant rules of industry analysis of the risks, the offset financing model in behavior is likely to violate the crime of fraud and illegal absorption public deposit crime. On the risk analysis of the current situation of China's criminal law on the status of illegal fund-raising behavior regulation of the Internet financial and compliance The main problems in the process were described. The criminal law for the Internet Financial illegal fund-raising behavior and no pre supervision, in most cases due to the provisions of the criminal law, some financial behavior are only through administrative regulations to regulate the criminal law, and only in the illegal fund-raising charges according to the crime determination, so some financial behavior a legal edge ball with no penalty. The sustained economic development in the process of regulation of the financial innovation and regulation of criminal law of discord. By describing the status of current criminal law regulation, clear criminal regulation of illegal fund-raising is to maintain financial business management order, standard of regulation is based on the administrative regulations as the basis, according to the theory of the foundation of the criminal law, emphasizes the necessity of the criminal law involved in Internet illegal fund-raising, but also to clarify the regulation of criminal law The process should be to meet the needs of the financial development, regulation and release balance in the process of financial innovation. In addition, the financial supervision of the criminal regulation of illegal fund-raising behavior change. The regulation of criminal law should be combined with the Internet financial development and regulatory rules to adapt. The Internet supervision system has not been fully when the criminal law regulation on the existing illegal fund-raising behavior should be improved, so as to crack down on Internet financial crime, and does not contain the financial innovation.

【學位授予單位】：江西財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：D924.3

【參考文獻】

相關期刊論文 前10條

1 金善達;;互聯(lián)網(wǎng)非法集資的刑事治理:2007-2014[J];犯罪研究;2016年01期

2 劉憲權;;互聯(lián)網(wǎng)金融股權眾籌行為刑法規(guī)制論[J];法商研究;2015年06期

3 吳文嬪;張啟飛;;論互聯(lián)網(wǎng)金融創(chuàng)新刑法規(guī)制的路徑選擇——以非法集資類犯罪為視角[J];中國檢察官;2015年11期

4 繆因知;;政府性證券監(jiān)管批判及與民事訴訟之權衡[J];交大法學;2015年01期

5 徐銀波;;論計算財產(chǎn)損失的基準時間——對《侵權責任法》第19條的反思[J];北方法學;2015年01期

6 張小濤;岳文華;張學鋒;;中國股權類眾籌發(fā)展的制約因素及風險研究[J];河南科學;2014年11期

7 王榮芳;;合法私募與非法集資的界定標準[J];政法論壇;2014年06期

8 趙淵;羅培新;;論互聯(lián)網(wǎng)金融監(jiān)管[J];法學評論;2014年06期

9 黃楠;;論互聯(lián)網(wǎng)金融中的“非法集資”——兼評最新非法集資司法解釋[J];天水行政學院學報;2014年05期

10 劉憲權;;論互聯(lián)網(wǎng)金融刑法規(guī)制的“兩面性”[J];法學家;2014年05期

相關重要報紙文章 前4條

1 朱磊;;立法明確互聯(lián)網(wǎng)金融業(yè)務與非法集資邊界[N];法制日報;2015年

2 楊井鑫;;政府工作報告為互聯(lián)網(wǎng)金融定調(diào) 普惠金融迎新機遇[N];中國經(jīng)營報;2014年

3 陳志武;;互聯(lián)網(wǎng)金融到底有多新？[N];經(jīng)濟觀察報;2014年

4 李麟 ;馮軍政;徐寶林;;互聯(lián)網(wǎng)金融：為商業(yè)銀行發(fā)展帶來“鯰魚效應”[N];上海證券報;2013年

相關博士學位論文 前3條

1 金泓序;互聯(lián)網(wǎng)金融中非法集資行為的刑法規(guī)制研究[D];吉林大學;2016年

2 潘為;非金融機構貸款人法律制度研究[D];吉林大學;2012年

3 李曉強;集資型犯罪研究[D];山東大學;2012年

相關碩士學位論文 前2條

1 丁春燕;P2P網(wǎng)絡借貸的刑法規(guī)制問題研究[D];華東政法大學;2016年

2 張燕琳;互聯(lián)網(wǎng)金融中的非法集資犯罪研究[D];湖南大學;2015年

，

本文編號：1750876