Research On The Investigation And Prevention Measures Of The Crime Of Illegally Absorbing Public Deposits On P2P Network Loan Platform

Because of its virtuality,fast dissemination,instantaneity and other characteristics,the Internet makes information interaction more convenient,shortens the distance between people,and brings tremendous changes to people's production and life.Influenced by the Internet,China's financial industry has also produced many innovative industries,among which the P2 P online lending industry is an important innovation of Internet finance.In recent years,the P2 P online lending industry is developing rapidly in China,and the number of platforms is rising.It provides some small and medium-sized enterprises with new ways of financing,which is conducive to maintaining the vitality of the market economy.Traditional private lending model has many problems,such as high threshold,cumbersome procedures,low efficiency of lending,etc.It has been unable to adapt to the high investment enthusiasm and financing needs of the private sector.P2 P online lending industry has become an important choice for more and more people to borrow by virtue of its advantages of high income,convenience,flexibility,no geographical restrictions,simple operation and so on.At the same time,the growth rate of P2 P online lending industry which is not in accordance with the law also hides many problems,which is easy to breed fund-raising crimes.Because of the imperfect supervision system,weak supervision,low entry threshold and lack of risk prevention awareness of investors,the online lending platform is easy to become a tool for criminals to illegally absorb public deposits.This kind of case has strong concealment,it is difficult for the investigating organ to find out in time and intervene in the investigation ahead of time,and the scope of the case is wide,the amount of money is huge,and the number of victims is large,so the social harmfulness is great.Due to the use of new criminal means in such cases,the investigation work of the public security organs has created huge obstacles,and the investigation organs often fall into difficulties such as difficult to grasp the timing of investigation intervention,time-consuming and laborious collection of evidence,and difficult recovery of stolen goods.In order to effectively combat this kind of crime,investigators should take the initiative to attack,intervene in the investigation in time,collect evidence comprehensively and efficiently by using big data system,conduct accurate caseanalysis,improve the efficiency of solving cases through investigation cooperation,and minimize the loss of victims.The state and the public should treat the innovative industry of P2 P online lending platform rationally,encourage and support it,and strengthen its supervision to prevent the illegal absorption of public deposits.To this end,relevant departments should speed up the introduction of specific regulatory rules and strengthen supervision;public security organs,industry and commerce,banks and other departments should strengthen the publicity and education of the public about such crimes,and enhance the risk prevention awareness and acceptance ability of investors.From the perspective of the P2P online lending industry,this paper,by analyzing the characteristics and current situation of this industry,discusses the characteristics,causes and patterns of the crime of illegal absorption of public deposits by the P2 P online lending platform,and summarizes the investigation and Preventive Countermeasures of this kind of case,combining with the relevant regulatory system,theoretical knowledge and practical experience of investigation,so as to provide a basis for the investigation and handling of such cases by public security organs.Some references to reduce the adverse effects of such crimes,so as to protect the healthy development of market economy.