Theory Of Criminal Regulation Of Thebehavior Of P2P Net Loan Platform In China

P2P network credit platform is a model of Internet finance development in China.Its nature was originally an information mediation platform,but it gradually deviated from its original nature after entering China.The behaviors of these alienated P2P online lending platforms mainly include the establishment of a capital pool,the use of P2P platforms to finance platform operators or related borrowers,and the platform itself to guarantee security.Once the P2P network credit platform has undergone 'alienation',due to the nature of China's financial supervision system and the nature of the P2P online loan platform,it is prone to cash withdrawal difficulties,and further leads to business failures or even platform runs.The platform establishes a pool of funds and finances itself and associated companies.In the process of this alienation,the platform usually advertises with a high rate of return,and falsely promises to protect the principal and interest,so as to achieve the purpose of absorbing public deposits.Such behavior is undoubtedly Will be suspected of illegal fund-raising.Once the capital chain of a company is broken,the deposits it absorbs cannot be properly paid to investors.At the same time,such behavior will seriously affect China's financial management order and social market economic order and cause extremely serious social harm.Although in the course of development,P2P network lending shows a certain amount of criminal risk,it cannot ignore the enormous innovation value it creates.This article analyzes the imperfections in criminal regulation of P2P online loan platforms from the perspectives of the current status of criminal legislation and criminal justice in China.Based on this,it proposes a conviction for the crimes,adjusts the corresponding penalties,and coordinates Some Perfect Suggestions on Criminal Legislation and Non-criminal Laws and Regulations.