论我国互联网金融发展的刑法保障

互联网金融是互联网时代的新金融活动，对我国经济社会的现代化发挥重要的推动作用，同时，也面临互联网金融违法犯罪、法律和监管方面的风险。我国应为互联网金融的健康发展提供有力的法律保障，尽快确立甄别互联网金融创新与相关违法犯罪的刑法标准。从社会危害性和刑事违法性两个方面、出罪标准和定罪标准两个层次上来设定互联网金融的刑法保障标准，出罪标准是有利于实体经济和经济社会发展，定罪标准是行为同时具有严重社会危害性和刑事违法性，保护互联网金融合法经营活动，宽宥对待其中的轻微违法行为，严厉打击互联网金融犯罪。对互联网金融的监管规范应首先考虑运用民商、行政等法律，只有在其难以有效发挥保障作用时，才需要刑法介入。

On the Safeguard of Criminal Law to the Development of Internet Finance in China

As a new financial activityin the internet era,internet finance plays a crucial role in the economical and social modernization in China.However it also faces the risks of internet financial crimes,law,and supervision.Legal safeguard should be provided and the standard of criminal law should be established to distinguish innovation of internet finance and relative crimes.Hazard to society,criminal illegality,excluding of crimes,and convicting of crimes should be taken into consideration in establishing the safeguard standard of criminal law.While excluding of crimes is beneficial to substantial economy and the economic and social development,convicting of crimes is of serious social harmfulness and criminal illegality,therefore it should be severely punished.Civil,commercial and administrative laws should be first applied in the supervision of internet finance,and criminal law should only be applied when they fail to safeguard internet finance.