A Study On The Prevention Of Illegal Fund Raising Crime In P2P Mode

The P2P network lending platform utilizes the Internet technology as the carrier,matches the investor and the borrower to complete the transaction as the middleman,and collects certain mediation expense to maintain the operation of the platform.P2P network lending achieves financial innovation for individual and small micro-enterprise financial needs to open up a new road.However,it also faced with a certain risk of crime.This essay analyzes the crime and non-crime of illegal fund raising crime in P2P mode by referring to the relevant research results,puts forward preventive measures.The essay is divided into introduction,text,and conclusion.The introduction part introduces the social background of flourishing P2P network lending and through the data,it analyses the trigger for the frequently social problems of crime by P2P platform.The main part is divided into four parts:The first part briefly summarizes the crime of illegal fund raising in P2P mode,and points out its characteristics and methods.The rise of P2P in our country raises a series of problems,facing legal risks.P2P risky platform can easily be suspected of illegal fund-raising crime.The second part mainly studies through several domestic typical cases,analyzes the crime of illegal absorption of public deposits and fund raising fraud and the boundaries of these two crimes.The third part points out that the shortcomings of the prevention mechanism of illegal fund raising crime under the domestic P2P mode.The fourth part is mainly based on the P2P model of the crime prevention mechanism to make recommendations.Firstly,it is imperative to perfect laws and regulations.Secondly,to establish a sound credit system services in the platform is eagerly needed.Then,the crime behavior characteristic database can be integrated to facilitate the analysis of the crime.Furthermore,collaboration and interaction between different law enforcement sectors should be promoted.In addition,the lending platform should improve itself and standardize the operational processes.Finally,we can strengthen industry self-government,publicity and education.Many social benefits brought by P2P on the economic are visible to numerous observers.However,the escapedP2P easily suspected of illegal fund-raising.Therefore,it is necessary to draw a clear red line for P2P network lending and illegal fund-raising crime in order to maintain the stability of financial order and legal order.