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1、中文摘要互联网金融正在以飞快的速度改造着传统金融业。互联网金融日新月异的创新与变革带来了不同于传统金融的新的金融风险。深入研究互联网金融犯罪产生的原因、特点及防控措施，对于健全和完善互联网金融风险的防范和管理机制，发挥互联网金融对经济发展的良性促进作用是十分必要的。本文研究目的在于为互联网金融犯罪防控提供理论依据以及提供一套完整的政策建议。为此，本文运用比较研究方法，通过对比互联网金融和传统金融明确互联网金融的特点，对比我国互联网金融与国外其他国家互联网金融，明晰我国互联网金融的发展现状，并运用博弈模型分析了互联网金融发展过程中政府监管部门、互联网金融平台、消费者三者之间的博弈，揭示了犯罪防治
2、的必要性。通过研究，本文发现我国互联网金融具有金融服务的普惠化、交易成本的最小化、大数据的核心化、传统商业银行的后台化等特点，而互联网金融犯罪具有犯罪主体智能化和年轻化、犯罪成本低、风险小、犯罪隐蔽性较高、巨大的社会危害性等特征。近阶段我国互联网金融犯罪呈现上升趋势，但是我国互联网金融犯罪防治仍然存在国内法律法规涵盖面远远不足、监管体系归属难以界定、科技风险监管手段相对落后、监管政策和措施存在漏洞、监管引导不到位等问题。本文通过所构建的监管部门与互联网金融之间的博弈模型和互联网平台与平台消费者之间的博弈模型，从动态上把握监管部门、互联网金融和平台消费者之间在防范互联网金融犯罪问题上的利益关系，
3、从理论上说明政府相关监管部门应加大对互联网金融平台的监管或者惩罚力度，可以起到促进互联网平台自我约束，减少社会公众利益的损失的作用，互联网金融平台加大对消费者的审查或者惩罚力度，可以起到保障互联网平台利益，减少犯罪发生的作用。此外，为了对互联网金融犯罪进行防治，本文提出引入专家参与立法、加快立法速度、借鉴国外经验，完善相关立法，填补法律空白，并建立一支专业的互联网警察队伍，提高侦查技术，加强企业监管，解决技术漏洞，加强国际间的协作与交流等建议。关键词：关键词：互联网金融，互联网金融犯罪，博弈，政策建议AbstractInternet Finance is changing the tradit
4、ional financial industry. Internet financial innovation brings new financial risks which are different from the traditional finance. In-depth study of the Internet financial crimes causes, characteristics and prevention measures, is beneficial to improve development of Internet Finance. The purpose
5、of this paper is to provide a theoretical basis for the prevention and control of Internet financial crime and to provide a complete set of policy recommendations.This paper use comparative research methods to clarify internet finance characteristics and by compare Internet banking with traditional
6、banking, compare Chinas internet banking and other foreign countries internet banking. This paper use game theory to analyze the game among the government supervision departments, internet banking platform, consumers and reveals the necessity of the crime prevention. This paper found that internet f
7、inancial crime is becoming more intelligence and younger, and the crime cost is low, risk is small, while the harm is huge. Chinas Internet financial crime prevention still exist problems like domestic laws and regulations covering is not enough, supervision system of ownership is difficult to defin
8、e, and so on. In addition, through the game model between regulators and the Internet financial game model and the Internet platform and the platform of consumers, grasp in the prevention of Internet financial crime on the interests of the relationship between regulatory authorities, Internet financ
9、ial platform and consumers from the dynamic, theoretically that the relevant government departments should intensify supervision of Internet Financial platform the supervision or punishment, can promote the Internet platform self-discipline, reducing the social public interest loss, Internet financi
10、al platform to increase consumer review or punishment, can serve to protect the interests of Internet platform, the effect of reducing crime. This paper use game model to analysis the game among government, Internet Finance institutions and customer, and finds government and Internet Finance institu
11、tions should do more to review and punish crime to reduce crime. Whats more, this paper put forward some policy suggestion.Key words：internet finance, crime, game model, suggestions目次第 1 章绪论.4 1.1 研究背景及意义.4 1.2 国内外相关研究.5 1.3 研究内容及方法.10 1.4 主要创新点.10 第 2 章互联网金融犯罪概述.12 2.1 互联网金融及其特征.12 2.2.互联网金融犯罪及其特征.17 第 3 章互联网金融犯罪治理现状与存在问题分析.24 3.1 我国互联网金融犯罪防治现状.24 3.2 我国互联网金融犯罪防治存在的问题.25 第 4 章互联网金融犯罪治理中的博弈分析.29 4.1 互联网金融平台与监管部门博弈分析.29 4.2 互联网金融平台与消费者博弈分析.324.3 互联网金融平台、消费者与监管机构之间的博弈分析第 5 章互联网金融犯罪的防控对策.35 5.1 打击网络金融犯罪的法律对策.35 5.2 进一步提升互联网犯罪的侦查队伍.
