Study On Countermeasures Of Economic Crime In The Private Lending In China

Private lending as an important supplement to formal finance, with its simple, fast, andflexible advantage, become an important force of private financing.In the context of the rapiddevelopment of the real economy, by the monetary tightening policy, financing channels forSMEs because of the narrow bank lending difficulties, funding needs can not be met, whilethe lack of a reasonable investment channels around free civil idle funds, leading to a varietyof factors superimposed private lending madness spread.Since the law vague, lack ofsupervision, private lending inevitable spontaneity, blindness, seeks profit, Gregoryphenomenon significantly increases the risk of private lending, but also the breeding groundfor all kinds of illegal economic interests to grab economic crimes, adverse impact on theeconomy and society.Based on the economic crime prevention and control center for researchin our country folk lending, from the perspective of theory and practice, combining theinterview transcripts, questionnaires and judicial case, the situation, the development statusand for private lending involves the economic crime has carried on the thorough analysis,finally put forward the reasonable and feasible prevention of folk lending economic crimeinvestigation countermeasures and general prevention advice.In this paper, the text is divided into six parts, the main content is as follows:The first part is an overview of China’s private lending. First, the literature reviewsummarizes the concept of private lending, the author puts forward the concept of privatelending analysis. Secondly, in our analysis of the reasons for prevalence of private lending.Then, summarizes the private lending’ role in our economic development. Finally, theprivate lending to China macro-economic and social negative impacts and risks.The second part is the development status of China’s private lending. First, thecombination of realistic development will be divided into private lending private lending inthe traditional sense and P2P networks borrowing, and conducted a general introduction.Then combine interview transcripts and questionnaire, summarizes the current developmentstatus and characteristics of China’s private lending.The third part is the characteristics and causes of private lending in economic crime.First, a literature review summarized on private lending in economic crimes, followed by acombination of judicial precedents summed up the law of private lending in economic crime, characteristics, and finally from social institutions and individual level analysis of the causesof civil lending in economic crime, Lay the Foundation for proposing targeted and effectivesuggestions of great significance.The fourth part is the private lending in the extraterritorial economic crime preventionexperience. By summarizing the characteristics of a Ponzi scheme United States, measuresshould be taken to potential investors and the Caribbean investment policy lessons fraud,expectations for economic crimes of private lending to prevent a certain reference.The fifth part is the investigation countermeasures of private lending in economic crime,which is the focus of this paper. I start from the investigation process, namely thestrengthening of information and intelligence work, ask the victim, insiders, search, seizure,freezing proceeds of crime, to stolen goods, control, interrogate suspects, collect evidenceof a crime fixed ad hoc investigations and special operations phase combination of variousdepartments to strengthen coordination and linkage, stability maintenance disposal proposedcountermeasures against the feasibility of private lending in the investigation of economiccrime.The sixth part is preventive measures of private lending in economic crimes, but also thefocus of this article. Author from perfect legislation, strengthen supervision monitoring,increase policy guidance, establish a sound social credit system, deepen financial reform,accelerate the process of market interest rates, education, industry self-regulation andimprove the internal management proposed effective countermeasures.