摘要
通过对2014年1月至2017年7月广东省各级人民法院作出的35起P2P网络借贷平台犯罪的判决进行实证分析得知:广东省P2P网络借贷平台犯罪表现出犯罪数量逐年递增、犯罪地区集中于珠三角地区、受害人普遍较多、涉案金额巨大等特点。广东省P2P网络借贷平台主要通过违法建立资金池、虚构借款标的、非法发售理财产品、承诺保本付息等方式实施犯罪行为。对P2P网络借贷平台的规范和治理,需要引导P2P网络借贷平台坚守金融信息中介的定位,提高准入门槛,严格执行信息披露制度和资金监管制度,制定多部门联合执法和监管机制。
Since 2014 there has been a trend of increasing crime of the Peer-to-Peer Internet Lending in Guangdong Province, especially in the Pearl River Delta Region. The numerous victims of the Peer-to-Peer Lending crime have suffered from losses of a huge amount of money. Crimes on the Peer-to-Peer Internet Lending Platform were committedmainly through the establishment of the illegal funds pool, creation of false borrowing objects, ille- galsale of financial products, and promise of lending with guaranteed interest. To managethe Peer-to-Peer network lending platform, it is necessary to guide the Peer-to-Peer network lending platform to abide by the financial infor- mation intermediaries, improve the access threshold, strictly implement the system of information disclosure and fi- nancial supervision system, and establish the muhi-sectoral joint law enforcement and supervision mechanism.
出处
《广州大学学报（社会科学版）》
2018年第1期50-55,共6页
Journal of Guangzhou University:Social Science Edition
基金
广州市哲学社会科学规划课题(15Q23)
关键词
P2P网络借贷平台
案例考察
行为分析
规范治理
Peer-to-Peer Internet Lending Platform
case review
behavior analysis
normative governance
