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P2P网络借贷不仅为中小企业融资提供新的渠道,而且增加了社会公众投资理财的选择,因此得以快速发展。实践中我国P2P借贷的本质为中介属性,但很多P2P公司却突破该属性而介入到双方借贷关系之中。P2P借贷中的违法行为涉嫌非法吸收公众存款罪、集资诈骗罪、非法经营罪、挪用资金罪、洗钱罪。本文认为在对具体案例进行刑法评价时,应区分P2P平台与借款人的责任,同时关注P2P平台与借款人共同犯罪的问题。
P2P network lending not only provides a new channel for SME financing, but also increases the public’s choice of investment and financial management, so it has developed rapidly. In practice, the nature of P2P lending in China is an intermediary property, but many P2P companies break through this property and intervene into the loan relationship between the two sides. Penalties for P2P Lending Suspected illegal absorption of public deposits, fund-raising fraud, illegal business operation, misappropriation of funds, money laundering. This paper argues that in carrying out the criminal law evaluation of specific cases, we should distinguish the responsibility of P2P platform and borrower while paying attention to the problem of joint crime between P2P platform and borrower.