Research On The Penal Regulations Of P2P Network Lending

Owing to that the credit system of our country is imperfection,the domestic P2 P lending is developing abnormally and it deviates from the essence as a information intermediary organ.Some problems that collecting the fund,from the melting or others and splitting financing program to make maturity mismatch and so on happened can cause huge damage to investors’ property,the construction of social credit system even the order of national finance management.The supervision department researches supervision thinking constantly,confirms supervision responsibility and refines supervision system.Meanwhile,the risk of criminal offence is emerging in an endless stream.The judiciary branch should insist the criminal policy of tempering justice with mercy,and put the principle of modest restraint into related judicial explanation and local codes when they deal with internet illegally funding.Considering that criminal law has the character of hysteresis to protect financial order,standardizing P2 P lending should build a system of “administrative law to main and criminal law to assist”.Insisting the throe of secondary crime violation,stipulating levels of the crime of illegal absorbing public deposits,bringing in administrative punishment as a prepositional procedure to deal with the crime and connecting the administrative punishment with the criminal transformation effectively.