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非正规金融中介紧紧抓住互联网技术高速兴起的关键机遇期,实现了自身的创新、长效发展。然而,非正规金融中介本质上仍属于民间金融,对其行为的监管仍存在缺位,在金融、道德风险的双重诱发下其行为极易“异化”。因此,本文对互联网金融背景下的非正规金融中介本质及其典型行为进行了论述,尤其是对其行为可能异化的刑事风险作出了法律分析,最后提出通过“完善监管体系,创新、合理性理顺监管体制机制”、“加强行政监管,有效、限度性衔接刑法规制”等针对非正规金融中介的监管对策,以期提供借鉴。
Informal financial intermediaries have firmly grasped the key opportunity period for the rapid rise of Internet technology and realized their own innovation and long-term development. However, non-formal financial intermediaries still belong to non-governmental finance in essence, and there is still a lack of supervision over their behavior. Their behavior is extremely easy to be “alienated” under the dual circumstances of financial and moral risks. Therefore, this paper discusses the nature of informal financial intermediaries and their typical behaviors under the background of Internet finance, especially analyzes the criminal risk of possible alienation of their behavior. Finally, it puts forward that improving the regulatory system, innovation and rationality Rationalize the regulatory system and mechanism “,” strengthen the administrative supervision, effective, limited convergence of criminal law "and other regulatory measures for informal financial intermediaries, with a view to provide reference.