中国法律知识资源总库论文库_期刊

论互联网金融诈骗防控体系的构建——以现金贷骗贷犯罪为聚焦

【作者】 涂鸣越

【Author】 Tu Mingyue;People’s Public Security University of China;

【机构】 中国人民公安大学治安学院

【摘要】 互联网金融作为一种新兴的金融业态,在助力经济发展方面的作用日益凸显,其监控薄弱地带也容易滋生诈骗犯罪。当前互联网现金贷沦为骗贷犯罪重灾区,骗贷犯罪呈产业链化发展趋势,不仅破坏了金融管理秩序,也引发一连串社会问题。当前我国公安机关打击此类新型犯罪尚存在技术复杂、法律规制缺失、监管存在漏洞、联动机制缺位、监管乏力等问题。对互联网金融诈骗犯罪的治理,需要采取多元治理方式,包括完善互联网金融安全相关立法,规范互联网金融行业监管,加大互联网金融犯罪的打击力度以及健全个人征信体系等。

【Abstract】 The internet finance as an emerging financial industry, which has played an increasingly important role in helping economic development, its weak monitoring areas are also particularly vulnerable to the effects of fraud crimes. The current Internet cash loan has become a serious disaster area of fraudulent loan crimes, so the fraudulent loan crimes have also been showed the trend of criminal industrial chain development, which will not only undermines the financial management order, but also triggers a series of social problems. At present, public security organs in our country still have problems to combat with the new types of crimes, such as the complicated technology, the lack of legal regulation, the lack of supervision, the lack of linkage mechanism, the inadequate supervision and so on. The governance of internet financial fraud crimes which requires multiple governance measures, including perfecting the related legislations of internet financial security, improving the supervision of internet financial industry, increasing the strength of internet financial Crimes, and developing the system of personal credit.

【基金】 湖北省人文社科重点研究基地社会治安治理研究中心项目“P2P网贷平台的风险及监管研究”
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