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(cái)經(jīng)大學(xué)》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(shù)下實(shí)現(xiàn)的投資、支付、融資和信息中介等服務(wù)的一種新型金融業(yè)務(wù)方式。而刑法為了懲罰違反金融監(jiān)管秩序和實(shí)施金融犯罪的非法集資行為,構(gòu)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(dǎo)致其發(fā)展受限于刑法規(guī)制。這種規(guī)制方式的認(rèn)定標(biāo)準(zhǔn)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(píng)價(jià)集資行為,大量的集資行為會(huì)被認(rèn)為是犯罪。一方面國(guó)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(guān)于促進(jìn)互聯(lián)網(wǎng)金融健康發(fā)展的指導(dǎo)意見》、《網(wǎng)絡(luò)借貸信息中介機(jī)構(gòu)的業(yè)務(wù)活動(dòng)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(tái),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(rèn)定標(biāo)準(zhǔn)的刑法規(guī)制方式,必然會(huì)導(dǎo)致刑法對(duì)互聯(lián)網(wǎng)金融的干預(yù)過(guò)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(yīng)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(gòu)建合適的規(guī)制方式,作者進(jìn)行了具體的分析并提出了解決方案。文章通過(guò)分析互聯(lián)網(wǎng)金融中進(jìn)行籌資行為的三種模式,并結(jié)合具體案例進(jìn)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(fù)雜、募集金額巨大,因此,互聯(lián)網(wǎng)金融籌資一旦出現(xiàn)問(wèn)題所造成的影響巨大。眾籌、P2P網(wǎng)絡(luò)借貸平臺(tái)以及類余額寶模式下的三種籌資方式中因?yàn)榫邆湮召Y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(guò)分析籌資模式的運(yùn)作方式以及相關(guān)的行業(yè)監(jiān)管規(guī)則剖析了其中存在的風(fēng)險(xiǎn),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(fēng)險(xiǎn)性境況下分析了目前我國(guó)刑法對(duì)互聯(lián)網(wǎng)金融中的非法集資行為規(guī)制現(xiàn)狀以及對(duì)規(guī)制過(guò)程中存在的主要問(wèn)題進(jìn)行闡述。刑法對(duì)于互聯(lián)網(wǎng)金融非法集資行為并沒(méi)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(guò)行政法規(guī)來(lái)進(jìn)行規(guī)制,而刑法只能在非法集資類罪名下針對(duì)存在的犯罪構(gòu)成要件進(jìn)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(jì)持續(xù)發(fā)展下在規(guī)制過(guò)程中出現(xiàn)了金融創(chuàng)新和刑法規(guī)制的齟齬。通過(guò)闡述當(dāng)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(hù)金融業(yè)務(wù)的管理秩序,規(guī)制的認(rèn)定標(biāo)準(zhǔn)也是以行政法規(guī)為基礎(chǔ),根據(jù)刑法謙抑性的理論基礎(chǔ),強(qiáng)調(diào)刑法介入互聯(lián)網(wǎng)非法集資的必要性,同時(shí)也闡明了刑法對(duì)其規(guī)制的過(guò)程中應(yīng)當(dāng)須適應(yīng)金融發(fā)展的需要,在規(guī)制和放開金融創(chuàng)新過(guò)程中得到平衡。此外,金融監(jiān)管對(duì)刑法規(guī)制非法集資行為做出改變。刑法的規(guī)制方式應(yīng)當(dāng)結(jié)合金融發(fā)展和互聯(lián)網(wǎng)監(jiān)管規(guī)則相適應(yīng)。在互聯(lián)網(wǎng)監(jiān)管體系尚未完全之時(shí),刑法對(duì)現(xiàn)有非法集資行為的規(guī)制方式應(yīng)當(dāng)進(jìn)行改良,使之既能夠?qū)ヂ?lián)網(wǎng)金融犯罪進(jìn)行打擊,又不會(huì)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(xué)位授予單位】：江西財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：D924.3

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