摘要
P2P(Peer to Peer),指的是个体和个体之间以互联网为中介平台直接进行借贷活动。P2P网络借贷因走进大众生活而备受关注,在其运营过程中带来的风险甚至是犯罪问题也开始进入研究的视野。通过对P2P网络借贷这一热点进行研究,用数据揭示近年来P2P发展的状况,对重点地区进行详尽的统计分析,指出了P2P网络借贷存在的两大问题:合法性问题和安全性问题并进行了具体分析,发掘了P2P网络借贷本身可能存在的法律漏洞及犯罪风险,指出P2P可能涉及的经济犯罪问题,并从社会、政府、投资者及公安机关四个方面提出了防控P2P网络借贷风险的建议。
P2P （Peer to Peer） online lending refers to the lending practice between individuals through the intermediary platforms on the Internet. Since P2P became a part of public life, it has attracted much attention, and the risks, even the crimes arising in its operation process have made their way into scholars＇ research. This paper studies this hot issue, utilizes data to reveal the development of P2P online lending in recent years, and conducts detailed statistical analyses on some key areas. Through the analyses, legality and security, two major problems existing ill P2P online lending are revealed and studied concretely, the legal loopholes and crime risks of P2P online lending are explored, the economic crimes that P2P may involve are discussed, and suggestions for preventing and controlling the risks of P2P online lending are put forward from the aspects of society, governments, investors and public security departments.
作者
王龙
卢希霖
WANG Long;LU Xi-lin(Guangdong Police College,Guangzhou 510440,China)
出处
《贵州警官职业学院学报》
2018年第5期9-15,共7页
Journal of Guizhou Police Officer Vocational College
基金
广东省公安厅经侦局2018年横向课题<互联网金融犯罪及其防控研究>成果
