摘要
具有"去中心化"性质的互联网金融平台是互联网思维在金融领域内的创新性产物。国内互联网金融平台主要衍化为纯平台模式、担保模式、债权转让模式三大类,可能存在"伪"平台风险、模式风险、中立帮助行为风险等。防范互联网金融平台的刑事风险是规范该行业健康发展的底线。对于以互联网金融之名行资金自融之实的"伪"平台,应依据资金用途限制非法吸收公众存款罪的适用;对于违规提供担保的平台,应给予行政处罚并令其承担连带保证责任;对于违规设立资金池的平台,应视具体情形作出不同处理;对于提供中立帮助行为的平台,应分别从"投资端"、"融资端"视角,对帮助信息网络犯罪构成要件中的"明知"作不同的理解和认定。
Decentralized Internet financial platforms are the product of innovative application of Internet thinking in the financial field. Internet financial platforms in China can be divided into three modes： pure platform mode, guarantee mode and assignment of credit mode. Currently they and are faced with many risks, such as fake platform risk, mode risk, and neutral aid behavior risk. Prevention of criminal risk of Internet financial platforms is the bottom line of healthy development of the industry. The application of the crime of illegal absorbing public deposits to the act of running self-financing in the name of lnternet finance should be restricted by use of funds. The platforms that illegally provide guarantees should be given administrative punishment gaily set up capital with respect of the crime and o pool to platforms of providing rdered to undertake joint guarantee responsibility. Platforms that illeshould be given different treatments in light of specific circumstances： providing neutral aid, the term ＂knowingly＂, as a constitutive element aid for criminal activities in relation to information network, should be understood and determined on a case by case basis either from the perspective of ＂investment＂ or from the perspective of ＂financing＂.
出处
《环球法律评论》
CSSCI
北大核心
2016年第5期78-91,共14页
Global Law Review
基金
国家社科基金重大项目"涉信息网络违法犯罪行为法律规制研究"(14ZDB147)的研究成果
