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P2P网络借贷行为作为我国互联网金融的一种创新行为,随着计算机技术与互联网技术的发展也得到了快速发展。但是由于其属于新兴行业,面临着准入门槛低、企业自律性差、行业监管空白等方面的问题,使得P2P网络借贷乱象丛生。本文从金融与互联网角度来分析P2P网络借贷的特点、目前面临的问题、涉及的犯罪类型,最后给出针对P2P网络借贷行业犯罪的侦查与防范建议,为相关部门提供决策参考。
As a kind of innovative behavior of internet finance in our country, P2P network lending behavior has been developed rapidly with the development of computer technology and internet technology. However, due to its belonging to emerging industries, facing the problems of low access threshold, poor self-regulation of enterprises and gaps in regulation of the industry, the P2P network lending has become a mess. This article analyzes the characteristics of P2P online lending from the perspective of finance and the Internet, the problems we now face, the types of crimes involved, and finally the investigation and prevention advice on crimes committed in P2P online lending industry, so as to provide reference for relevant departments.