I题目论我国互联网金融的刑法规制摘要在当今科学技术的惠及各行各业的时期，金融行业也被注入了新的活力，和新技术的结合推动着金融行业的向前发展，也被称之为“Internet+金融”模式。互联网金融人民生活息息相关，同时是我国经济转型期的一项重大创举，目前存在的形式可以归为三种：第三方支付模式、网贷以及众筹。这一创举极大的影响了我国实体经济的发展，同时也使得社会融资成本有所下降，此外在金融产业格局的优化上起到了较为重要的作用。但是，因为互联网金融发展的过于迅速，当下还没有形成较为完善的监督管理体系，这就导致该领域事故频发，对我国金融秩序造成极为恶劣的影响，所以完善相关法律刻不容缓。以互联网金融相关的发展规律和特点，本文章主要从互联网金融犯罪的罪名罪状问题，刑罚规制功能不足问题上进行浅析，对我国互联网金融有关罪名的完善及刑罚的完善做出了相应的补充。关键词：互联网金融；P2P；罚金刑；资格刑；刑法规制IIAbstractIntoday'speriodwhenscienceandtechnologybenefitallwalksoflife,thefinancialindustryhasalsobeeninjectedwithnewvitality,andthecombinationofnewtechnologiespromotestheforwarddevelopmentofthefinancialindustry,alsoknownasthe"Internet+finance"model.Internetfinanceiscloselyrelatedtopeople'slives,anditisalsoamajorinnovationinmycountry'seconomictransitionperiod.Thecurrentexistingformscanbeclassifiedintothreetypes:third-partypaymentmodels,onlineloans,andcrowdfunding.Thisinitiativehasgreatlyaffectedthedevelopmentofmycountry'srealeconomy,andatthesametimereducedthecostofsocialfinancing.Inaddition,ithasplayedamoreimportantroleintheoptimizationofthefinancialindustrystructure.However,duetotherapiddevelopmentofInternetfinance,arelativelycompletesupervisionandmanagementsystemhasnotyetbeenformed,whichhasledtofrequentaccidentsinthisfieldandhasaverybadimpactonmycountry'sfinancialorder.Therefore,itisurgenttoimprovetherelevantlaws.BasedonthedevelopmentlawsandcharacteristicsofInternetfinance,thisarticlemainlyanalyzestheproblemsofcriminalchargesandcriminalpenaltiesinInternetfinancialcrimes,andmakescorrespondingsupplementstotheimprovementofcrimesandpenaltiesrelatedtoInternetfinanceinmycountry.keywords:Internetfinance;P2P;Finepenalty;Qualificationpunishment;CriminallawregulationIII目录摘要....................................................................IAbstract...................................................................II目录..................................................................III一、互联网金融概述..........................................................2（一）互联网金融的内涵..........................................................................................................（二）互联网金融的主要特征..................................................................................................1、信息的多维采集与深度运用.............................................................................................2、去传统中介化.....................................................................................................................3、传统金融机构的后台化.....................................................................................................（三）互联网金融的基本模式..................................................................................................1、互联网支付.........................................................................................................................2、P2P网络贷款..........................................................
