| In recent years, China’s Internet finance is innovating, and injected vitality into the financial markets. P2 P lending as one of the representative of financial innovation, it is in a rapid development since the introduction in our country. The business model innovation, on the one hand, it promoted the development and prosperity of P2 P lending, on the other hand, there are lots of hidden dangers, it is cannot be ignored that risking the country’s financial order and the interests of public investors.From the perspective of criminal law, these hidden danger concerns more about Illegal fund-raising. From illegal fund-raising`s characteristics and influence, this kind of crime violating a wide range of objects with numerous victims, the direct prejudice to the property interests of the public and the country’s financial order, is extremely easy to cause the instability of the society, therefore, we should attach importance to it. However, due to the P2 P lending is a innovation, the government has not adopted a strict control measures in the beginning, the specific administrative regulatory rules and regulation has not had time to come, it make the P2 P lending`s development breakthrough the principle and the bottom line time to time, directly conducting or involving illegal fund-raising.This article is from the Angle of illegal fund-raising to make a typological analysis of China’s P2 P lending business model. The first part of the article is an overview of P2 P lending network platform. The second part of the article mainly introduces and analysis about illegal fund-raising normative documents and relevant theory. The third part of the article is a typological analysis about the correlation to illegal fund-raising. In the fourth part of the article,writer suggested that,we should have a discriminatory principle, to treat the reasonable business model with a moderate tolerance, and resolutely banned illegal funding-raising business model under the cover of innovation. |
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