Study On Criminal Regulation Of Peer-To-Peer Online Loans In China

Peer-To-Peer lending is through the Internet platform to realize the new network borrowing of borrowing directly between individual and individual,the Internet is a kind of financial innovation,the borrowing mode based on the development of network technology,with the advantages of high efficiency and convenient,can to a certain extent,solve the problem of financing difficulties of small and medium-sized enterprises.But as a new type of Internet financial innovation mode,in the process of its development also has similar characteristics of high risk and high income financial transactions.Credit belongs to the import of the concept of Peer-To-Peer network,and based on different criteria can be classify Peer-To-Peer lending patterns.Based on platform whether intervention,lending to the Peer-To-Peer network model can be divided into mediation model and the creditor's rights;According to whether the entity guarantee Peer-To-Peer mode can be divided into secured and unsecured mode,each mode has its advantages and disadvantages.But due to the economic environment and the financial system is not perfect in our country,combined with Peer-To-Peer lending dissimilation has happened in the process of its development,some problems,such as difficulty in platform withdrawal,the development from harmony,allowed to run,etc.,will tell from the strict sense of criminal law,it will hinder the development of the Peer-To-Peer lending.Therefore,need to criminal law regulation,Peer-To-Peer lending is currently problems urgently to be solved in the criminal law should show its attitude.Based on Peer-To-Peer lending for perspective of criminal law,and through the analysis of the situation of our country criminal law on Peer-To-Peer regulation,on the basis of the principle of respect for the law and finance theory puts forward perfect opinions,in order to make theoretical contributions to our country the healthy development of Peer-To-Peer.