金融创新背景下个体网络借贷犯罪行为的认定

个体网络借贷发展迅速，但监管缺失导致了该行业的畸形发展，刑事风险攀升。《关于促进互联网金融健康发展的指导意见》首次对个体网络借贷做出规定，意义重大。个体网络借贷中债权转让和平台担保两种模式游走于罪与非罪的模糊地带，在相关立法和司法解释出台前，对这两种平台经营模式，刑法应该保持谦抑，谨慎介入。

Determination of Crime of Individual Network Lending Under Background of Financial Innovation

Individual network lending has developed rapidly, but the lack of supervision led to the abnormal de-velopment of the industry and the rising of criminal risk. “Guidance on promoting the healthy development of In-ternet finance” has made provisions for individual network lending for the first time, which is greatly meaningful to us. In individual network lending, credit assignment model and platform guarantee model are in the gray area of crime and non-crime, before the introduction of relevant legislation and judicial interpretation, the criminal law should remain modest, cautious intervention about the two kinds of platform mode.