【摘要】 近年,随着互联网金融蓬勃发展,互联网金融失范现象层出不穷,部分行为已上升至刑法规制层面。通过对互联网金融的典型范式"校园贷"中各方特定行为的刑法定性,发现互联网金融活动中各方极易涉嫌金融刑事犯罪。当前,中国的金融改革发展已进入顶层设计时期,金融犯罪的法益重心转移为保护金融秩序与交易者权益双重法益是未来我国金融持续发展的必然要求,故而要求在新法益观下形成有张有弛的刑法制裁思路,贯彻"宽严相济"的刑事政策,发挥司法能动性;通过实质解释立场扩张解释刑法规范以满足惩处互联网金融犯罪之需;改变现有民法规制乏力、行政法规制欠缺的现状,形成民、行、刑三者合力的规制体系;通过低惩罚概率与高付出惩罚的组合,最终达到制裁思路与最优威慑的目的。更多还原

【Abstract】 In recent years,with the vigorous development of Internet finance,the phenomena of Internet financial anomie emerge one after another,and some have incurred the criminal law regulation. From the perspective of criminal law,and taking "campus loan",the typical form of Internet finance as an example,it is found that each side in Internet financial activity is easily suspected of committing financial criminal offence. At present,with the reform and development of finance in China,the protection of financial order and traders’ rights and interests is the inevitable requirement of financial sustainable development in the future in China. Therefore,the criminal law sanction should combine punishment with leniency.更多还原