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对于互联网金融的法律监管应严堵与疏导并行,以行政监管为主要手段,辅之以相应的行业自律监管。刑法规制应当是第二位的,对于在互联网金融活动中涉嫌犯罪的行为,依法追究其刑事责任。在第三方支付、P2P平台、众筹、电商小贷、互联网金融门户等互联网金融创新试错过程中导致刑事犯罪的,宜秉持刑罚法定和刑法谦抑等刑事政策,防止金融过度立法挤压互联网金融的发展空间。要结合互联网金融监管的实际需求,适时将窃取涉及P2P、众筹等大数据信息的行为入罪,强化对有关危害互联网金融监管秩序全局的行为的制裁。
The legal supervision of Internet finance should be strictly blocked and diverted in parallel with administrative supervision as the main means, supplemented by the corresponding industry self-regulation. The criminal law should be the second place, for criminal activities in the Internet financial activities suspected of criminal responsibility according to law. In criminal trial of third party payment, P2P platform, crowdfunding, small business loans, Internet finance portal and other Internet financial innovation trial and error process should uphold criminal law and criminal law modesty and other criminal policies to prevent excessive financial legislation squeezed Internet finance development space. In light of the actual needs of the Internet financial regulation, we will promptly steal criminal acts involving large data such as P2P and crowdfunding, and intensify sanctions on behaviors that jeopardize the overall Internet banking regulatory environment.