人人贷经营中易引发经济犯罪的防控研究

人人贷于2005年诞生于英国伦敦,作为一种新兴的民间借贷形式和一种信贷方法的创新,因其高效便利、覆盖面广等优点而得以蓬勃发展。人人贷的发展对于满足个人生产需求、促进资金流动、提高闲散资金的利用率、完善信贷体系等都具有重要作用。但是也因其门槛儿较低、监管缺位、信用体系不健全等而存在诸多风险,尤其是经济犯罪风险,使得相关法律的制定和监管的跟进都非常必要。因此,要增强风险意识,明确监管职责,建立一个完善的监管监督体系,以保障人人贷行业的健康、有序发展。

On Prevention and Control of Economic Crimes in P2P

As a new form of private lending, P2P lending was born in London in 2005.It was flour- ishing because of its efficient convenience and the wide coverage. The development of P2P lending plays an important role in meeting the demand of individual production, promoting the capital flow, improving the utilization rate of idle funds and perfecting the credit system. However, relevant legislations and ap- propriate regulations are badly needed to improve it for its risks of low threshold, the absence of regula- tions, and the unsound of credit system. To guarantee the industry of P2P lending operates healthily and orderly, accordingly, we should strengthen our awareness of the risks, clarify our responsibilities in su- pervising and establish a perfect supervision system.