非法吸收公众存款罪与民间融资

Crime of illegal attracting public fund and private financing

近年来的司法实践,对非法吸收公众存款罪的认定有扩大化倾向。许多个案不考虑融资的目的是否为企业自身发展,不考虑是否造成损害后果、是否具有侵占、诈骗的故意等特征,抹煞非法吸收公众存款犯罪与合法的民间借贷的区别。这一扩大化的倾向与加入世贸后打破金融垄断、鼓励金融市场竞争、民间金融逐步合法化的趋势是背道而驰的,所以有必要对非法吸收公众存款罪与民间融资加以区分。

The recent years judicial practice,to the illegal absorption public deposit crime recognized has the magnified tendency.Many documents did not consider financing goal whether for the enterprise own development,didn＇t consider whether creates the harm consequence,whether has invades,the cheating intentionally and so on the characteristic,obliterates difference which the illegal absorption public deposit crime and the legitimate folk lends money.This magnified tendency after enters the world to break the financial monopoly,the encouragement money market competition,the folk financial gradually legalization tendency is runs counter to,therefore has the necessity performs to the illegal absorption public deposit crime and folk financing to differentiate.