A Study On The Crime Of P2P Network Loan In China

Peer to peer lending(P2P lending) is developing rapidly as a new innovative industries in China recently.According to the data published by WDZJ,there were aboout 2595P2 P lending platforms till the end of 2015, nearly one thousand more than 2014,with year-on-year growth of more than 65 percent.P2P lending provides a new platform with low cost for private investors with idle money and helps small businesses to get financing.But during the process of the rapid development of our country,P2 P lending gradually took to the road of alienation in order to seek more interest.P2 P platforms no longer abide by the role of intermediaries, but start the collection of capital pool and sell the financial products and raise funds illegally.More criminals use the heat of the P2 P lending to defraud investors’ money with the ponzi scheme.The number of problem platforms were 896 in 2015,about 3 times that of 2014.Relevant state departments have issued some provisions such as <Some issues of applicable law in private lending cases>,<Promote the healthy development of the Internet financial guidance>,<the Interim measures of the management of network information intermediary(draft)>on this background to laid the foundation for further standardize P2 P lending industry.The state encourages Internet financial development and strengthen the regulatory measures to Let the P2 P industry gradually stay on the road of healthy development.This article is divided into four parts:The first part introduces the background to the development of P2 P lending.This chapter has divided into three:The first section mainly defines the concept of P2 P lending.The second section mainly expounds the rising and development of P2 P lending.The third section mainly expounds the characteristics and the value of the P2 P lending.The second part analyzes the current situation of the P2 P lending development in our country. This chapter has divided into three:The first section mainly expounds the diversity of P2 P lending in our country.The second section mainlyexpounds the problems that exist in the P2 P lending operation.The third section illustrates the necessity of the criminal law involved in P2 P lending.The third part expounds the P2 P lending crime cognizance and treatment of our country.This chapter has divided into three:The first section expounds the P2 P lending in the cognizance of the crime of illegal absorb public deposits.The second section expounds the P2 P lending in the cognizance of the crime of fraud of the funds.The third section expounds the judicial application of criminal law regulation.The fourth part elaborates the prevention of P2 P lending crime in our country.This chapter has divided into two:The first section analyzes the crime prevention of P2 P lending from the administrative supervision. The second section analyzes the crime prevention of P2 P lending from the criminal regulation.