互联网金融对传统金融模式影响研究

随着互联网信息技术和移动通讯业务的飞快进步,互联网金融模式在中国兴起并迅速发展。互联网金融是由电子商务企业提供的网络支付结算、网络融资、网络保险、网络理财等金融服务。与传统金融服务相比,互联网金融在产品设计、服务模式和参与主体三方面实现了创新。互联网金融将改变传统金融机构经营方式、竞争理念,进而重塑传统金融生态模式。本文探讨了互联网金融模式给传统金融模式带来的种种机遇及挑战,并提出互联网金融的发展趋势及其建议。     

浅议空壳公司经济犯罪的治理

利用空壳公司实施的经济犯罪隐蔽性强、具体作案手法不断翻新。目前,我国存在诸多影响空壳公司经济犯罪治理的问题。对此,公安机关需要从加强信息分析、完善监管机制、消除作案动机等方面开展治理,探讨新形势下空壳公司经济犯罪治理面临的挑战、制约因素和应对之策。     

互联网金融的风险评估及对刑法适用之影响

互联网金融的快速发展对我国金融创新、金融环境的优化以及中小企业融资产生巨大的推动作用,同时也会带来一些风险,并对刑事法律的适用产生较为深远的影响。互联网金融可能导致洗钱犯罪、信用卡诈骗、盗窃、诈骗、职务侵占等犯罪的加剧,也使得非法吸收公众存款罪、非法经营罪、擅自设立金融机构罪的适用范围面临调整。刑法应当充分尊重互联网金融存在的合理性,肯定金融创新。一方面,坚持刑法调整的补充性;另一方面,对于确因互联网金融而引发的金融犯罪行为,刑法介入应坚持及时性、准确性和适度性,从而发挥刑法对金融秩序和社会稳定的屏障作用。     

网络犯罪管辖权问题研究

在现行刑事案件管辖制度的基础上,网络犯罪管辖权应进一步细化联结点并确立优先次序.不同类型的网络犯罪在管辖权设定上的关注点应有所不同.网络犯罪案件的管辖应当遵循实体法与程序法相一致、案件的全面覆盖与均衡分布、便利性等价值追求.以实施网络犯罪行为的计算机终端所在地为行为地,以受害人发现权利被侵害的计算机终端所在地为犯罪结果发生地,并辅之以被告人住所地,确立一个分层次的网络犯罪司法管辖体系.     

网络空间的罪与罚——关于网络诽谤罪的思考

加大打击网络诽谤是切实保护公民名誉权的现实需要,有利于促进网络信息的健康发展。但操作不当则可能压制言论自由和网络反腐,不利于推进社会的民主化进程。如何实现言论自由与名誉权保护的平衡,不仅触及社会的敏感神经,更对顶层设计和执法能力提出了严峻的考验,值得深入思考。     

How Online Platform Work on Perceived Risk of Online Financial Products

Prior literatures about online financial products have neglected the platform element and the research has been done from the perspective of the consumers. Since both consumers and lending platforms are important elements in research of perceived risk, this paper attempts to connect consumers and the Internet platforms with P2P lending platform as the subject under the framework of perceived risk theory and tests the effect of P2P platform on perceived risk and the moderating effect of consumers on the relationship between them. Results different from the study of the traditionally perceived risk show that credibility has significant positive effect on privacy risk and functional risk. Convenience affects the perceived risk and financial risk positively. Practicability affects the perceived risk, psychological risk and social risk positively. Age has significantly negative moderating effect on the relationship of the Internet and the perceived risk among the female samples. Finally, marketing strategies are proposed for the P2P lending platform based on the results above.     

Governmental filtering of websites: The Dutch case

Following the example of Norway and other European Countries, such as Sweden and Denmark, in April 2007 the Dutch government started filtering and blocking web pages with child pornographic content. In this paper we present a research into the technological, legal and practical possibilities of this measure. Our study leads us to the conclusion that the deployment of filters by or on behalf of the Dutch government is not based on any founded knowledge concerning the effectiveness of the approach. Furthermore, the actions of the Dutch law enforcement authorities do not avail over legal powers to filter and block internet traffic. Consequently the Dutch filtering practice was found to be unlawful. The government could enact a law that provides the police with the relevant powers. However, child porn filters always cause a certain amount of structural overblocking, which means that the government is then engaged in structural blocking of information that is not against the law. This would be in conflict with basic rights as laid down in the European Convention on Human Rights and Fundamental Freedoms and in national legislation. Maintaining a blacklist that is serious in size (a necessary condition for being effective), and at the same time is up-to-date and error-free (which is needed to prevent overblocking), is very labour-intensive, if not impossible to maintain. From the Dutch national police policy perspective it follows that putting so much labour in maintaining a blacklist cannot be considered as a police task. Why then did the Dutch police start filtering? In a society where child pornography is judged with abhorrence, in which safety is rated higher then privacy, and in which managers and politicians frequently have a naive faith in technology, the advocates of internet filters against child pornography quickly find wide-spread support. Although this paper refers to the situation in The Netherlands, it includes a number of elements and issues that are relevant to other European States as well.     

China Internet going wild: Cyber-hunting versus privacy protection

The Internet is notoriously known to be the “human flesh search engine” in China when it is used against private individuals for the purpose of social shaming, monitoring and revenge. In such case of cyber witch hunting, personal information of the targeted individuals is often ruthlessly exposed and their lives are mercilessly disrupted. In the face of the growing resort to the human flesh search engine, the Beijing Court delivered the first ruling condemning this practice and affirming privacy rights for Chinese citizens at the end of 2008. This article discusses the trend of cyber-manhunt in China, with specific focus on the judgment of the Beijing Court. It points out the inadequacy in the ruling and argues that legislative enactment to protect personal information at the national level is essential in China.     

Regulating webcasting: An analysis of the Audiovisual Media Services Directive and the current broadcasting law in the UK

Webcasting is an emerging industry, which steadily gains significance as technology enables efficient delivery of video content via Internet. The regulation of webcasting is a topic worthy of debate: Regulating webcasting heavy-handedly may result in stifled innovation whereas not imposing any regulation carries the danger of an un-level playing field between webcasters and stringently regulated broadcasters. In the wake of the Audiovisual Media Services (AVMS) Directive's adoption, the debate has inevitably come to the attention of national regulators of EU Member States, and will remain on OFCOM's agenda until the Directive's implementation into UK law is completed. This article provides an analysis of both the AVMS Directive and the current UK broadcasting law as regards to its applicability to Internet-based services in order to identify UK's current standing prior to implementation; discusses the role of alternatives to state regulation (self- and co-regulation) in the implementation process and finally addresses the DCMS Public Consultation on the Implementation of AVMS Directive revealing the government's plan for the implementation.     

Asia-Pacific news

This column provides a country by country analysis of the latest legal developments, cases and issues relevant to the IT, media and telecommunications' industries in key jurisdictions across the Asia Pacific region. The articles appearing in this column are intended to serve as ‘alerts’ and are not submitted as detailed analyses of cases or developments.