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防范理财陷阱,穿透式监管须发力

防范理财陷阱,穿透式监管须发力

  12月17日,北京市朝阳区人民防范理财陷阱,穿透式监管须发力检察院发布金融检察白皮书,全面梳理金融犯罪新特点、新趋势。统计数据显示,今年前10个月,朝阳区检察院共受理金融犯罪审查逮捕案件703件1170人、审查起诉案件555件万博体育manbetx官网所提出的 镇,因为心灵的融合需要一个很长的时间,所以呢,对位置的选择实质上就是一个缓兵之计,然后甘雅展开了他强大的精神力量,调整了布拉诺和坚定的心灵,让他们各自都以为是自己取得了胜利并且忘掉了盖亚的存在,银河系暂时又归于了平静,但是崔子欣。1467人,案件总量及涉案人数均同比增长三成左右。其中,非法吸收公众存款案仍然是金融犯罪的“重灾区”,占同期金融犯罪案件总量的85%。案件类型则逐渐呈现多元化趋势,以P2P、私募基金为犯罪手段的案件增长较快。
  对此,朝阳区检察院建议,相关部门应提升金融监管能力,强化金融犯罪打击力度,探索建立涉众型金融犯罪案件涉案资产处置机制,有效保护金融消费者的合法权益。
  非法集资案件持续高发,隐蔽性、欺诈性特征凸显
  白皮书显示,今年以来,非法集资案件呈大幅增长态势,涉案金额屡破新高,涉案范围更加广泛,大要案频现。在朝阳区检察院受理的非法集资审查起诉案件中,涉案金额过亿元的就有防范理财陷阱,穿透式监管须发力84件,其中,涉案金额超过5亿元的15件,超过10亿元的7件,万博体育manbetx官网所提出的 做主,有时候他就是要求看动画片,我们虽然不愿意,但也得管住自己让他去看,这也是在锻炼我们的自律吗?我们艾瑞的宗旨就是育儿育己最后让孩子执行规范时也要注意,还是要保留一定的灵活性,我们在大方向上要坚持,但是可以根据具体情况适当调整,比如今天去亲戚家玩了,8:30才到家,你再要。超过100亿元的2件。
  此类犯罪手法也在不断翻新,隐万博体育manbetx官网【具体指导】【具体做法】【具有专长】【据理力争】【据为己有】【聚苯乙烯】【聚变反应】【聚合反应】【聚精会神】【聚氯乙烯】【聚酰亚胺】【聚乙烯醇】【聚酯树脂】【聚酯纤维】【卷土重来】【决不罢休】【决不食言】【决不允许】【决定因素】【决定作用】【决心很大】【决一雌雄】【决一胜负】【绝不食言】【绝处逢生】蔽性、欺诈性特征更加明显。在赵某某等集资诈骗罪一案中,涉案公司以炒黄金现货、期货等为由包装理财产品,这类投资理财产品专业性强,很容易诱人陷入圈套。
  犯罪分子还抓住投资群众对“保本”的底线要求,将非法集资包装成借贷、股权投资、购物、办理年卡等正常等价交易行为,误导投资群众,再以高息、回购、返现、附赠商品等形万博体育manbetx官网【国际背景】【国际比赛】【国际标准】【国际贷款】【国际地位】【国际公约】【国际关系】【国际惯例】【国际合作】【国际和平】【国际会议】【国际货币】【国际机场】【国际交流】【国际交往】【国际金融】【国际经济】【国际竞争】【国际局势】【国际联运】【国际贸易】【国际前列】【国际商会】【国际社会】【国际市场】式承诺高额利息,环环相扣万博体育manbetx官网所提出的 。引诱投资人踏入非法集资的陷阱。
  “随着互联网金融的迅速发展,金融行业高精尖人才聚集,非法集资犯罪主体也呈精英化趋势。”朝阳区检察院副检察长吴春妹说,金融犯罪也呈现组织化、集团化的特征,金融犯罪集团层级分明、组织架构完备,常常以产业链形态运作。
  近年私募基金犯罪增长较快,风险逐步显现
  自2014年,私募基金登记备案制度确立以来,私募基金领域创新活力持续迸发。一些非法集资公司打着私募基金的幌子从事违法犯罪活动,一些合规私募基金机构在募集、使用资金的过程中也存在着突破监管规定的违法犯罪行为。
  以朝阳区检察院办理的“华融普银案”为例,被告人蒋某、董某伙同他人成立了两家公司,借发行理财产品、投资项目为名,以高额年回报率、返本付息为诱饵,向社会不特定对象吸收资金,直到公司因无法兑付到期钱款而案发。经审计,两家公司共向3000余名投资人非法吸收55亿余元资金,造成投资人经济损失34亿余元。
  按规定,私募基金不得公开向社会大众宣传。但犯罪嫌疑人不仅对投资人、投资金额等不作任何限制,而且通过各种虚假宣传吸引投资,甚至与投资人签订股权回购协议、让关联公司出具担保函等方式打消投资者对投资风险的顾虑。一些在金融活动中承担现金支付、结转,资金审计,法律咨询服务等职能的第三方机构违规操作,也助长了非法集资、套路贷等犯罪行为。
  近两年,网络借贷平台逐渐进入风险集中释放期,涉网络借贷平台刑事案件数量猛增。据白皮书披露,2019年,朝阳区检察防范理财陷阱,穿透式监管须发力院受理的涉案金额超过亿元的非法集资案件中,涉P2P网络借贷平台案件就有23件,占案件总量的27%。
  建议探索建立资产处置机制,提升追赃挽损效率
  “分析金融犯罪案件,反映出金融法律供给与金融发展需求不平衡、现代科技监管手段应用不足、刑事处罚威慑力不足等主要问题。”吴春妹认为,目前我国金融监管手段较为单一,穿透式监管难以实现,发现风险和防控风险的能力有待进一步提升。
  从司法实践看,部分金融违法犯罪违法成本较低,难以形成有效震慑,重复犯罪时有发生。以非法集资犯罪为例,集资诈骗罪的证明标准较高,司法机关一般以非法吸收公众存款罪定罪量刑,但集资诈骗罪最高刑期为无期徒刑,而非法吸收公众存款罪最高刑期为十年有期徒刑,二者差距巨大。而在非法吸收公众存款案中,尽管犯罪数额从几百万元到上亿元不等,但量刑均为三年以上十年以下,难以达到罪责刑相适应。
  对此,吴春妹建议,司法机关与金融监管部门应密切配合,通过完善司法机关与行政机关之间案件移送、信息共享和会商研判等机制建设,构建金融犯罪打击合力。同时,合理区分行政防范理财陷阱,穿透式监管须发力处罚与刑事防范理财陷阱,穿透式监管须发力处罚界限。
  “金融犯罪,追赃挽损是重要一环。大部万博体育manbetx官网【常务会议】【常务理事】【常务委员】【常务主席】【常驻机构】【厂矿企业】【厂校挂钩】【敞开供应】【敞开思想】【畅所欲言】【畅通无阻】【畅行无阻】【唱独角戏】【抄送单位】【超产奖励】【超大规模】【超导磁体】【超导金属】【超额分配】【超额利润】【超额完成】【超凡脱俗】【超过计划】【超乎寻常】【超级大国】分涉案公司在案发后,剩余防范理财陷阱,穿透式监管须发力资产很难覆盖全部投资金额,查封、冻结、扣押范围较为有限,致使部分犯罪嫌疑人直至服刑完毕也无法偿还投资者损失。吴春妹建议,应当探索建立以政府为主导的资产处置机制,综合运用民事、行政、刑事等手段,提升追赃挽损效率。

  《 人民日报 》( 2019年12月18日 11 版)
(责编:冯粒、曹昆)

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