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当前,我国刑法罪名能够使惩罚互联网金融的刑事犯罪需求得到部分满足,需要对相关法律法规的实施进一步完善以及发展。关于互联网金融方面的刑法规制存在完善立法以及限度适用的双重问题,不仅要在刑法罪行中遵循谦抑性的原则、二次违法性的原则以及法定原则的前提下对刑法限制进行限度,还要与时俱进,出台刑法修正案以及司法解释,使成文法典具有的滞后性以及局限性特点得以弥补,让刑法与现代社会中的互联网金融得以发展的需求相适应,起到更为重要的作用。对互联网金融的刑法规制进行探究十分有意义,主要表现为紧迫的现实需求、推动金融创新与保障国家的经济安全等方面。当前我国的互联网金融有许多问题存在,主要表现为在管理性以及技术性方面电子信息的系统存在缺陷、互联网金融缺乏规范的融资方式、完善的征信体系以及由于经济体制的限制导致互联网金融的监管落后。因为上述的种种原因,我国互联网的金融领域有刑事风险存在。
At present, China’s criminal law charges can make penalties for the criminal needs of Internet finance partially met, the need for the relevant laws and regulations to further improve the implementation and development. With regard to the duality of the legislation and the application of limits in the criminal law and regulation of Internet finance, we should not only limit the criminal law restrictions under the premise of restraining principle, second principle of illegality and legal principle, Advancing with the times, promulgating the amendment of criminal law and judicial interpretation, making the lameness and limitations of written code amenable to make the criminal law more suitable for the development of internet finance in modern society . It is very significant to probe into the criminal law and regulation of Internet finance, which is mainly manifested in urgent practical needs, promoting financial innovation and ensuring the economic security of the country. At present, there are many problems in internet finance in our country, mainly due to the defects of managerial and technical aspects of electronic information system, the lack of standardized financing for Internet finance, a sound credit system and the regulation of Internet finance due to the restriction of economic system behind. Because of the above reasons, there is a criminal risk in the financial field of China’s Internet.