从吴英案看我国民间金融的监管困局与改革路径

the Supervision Dilemma and the Reform Proposals on the Non-Governmental Finance through Wu Ying Illegal Fund-raising Case

最高人民法院对吴英非法集资案的处理,某种意义上可以视为刑事司法与社会实践良性互动的结果,是司法对立法的适度矫正与能动反应。对于民间金融,我国现行法律主要是通过禁止非法集资来对其进行规范的。不过,一方面由于规范表达的"过度涵摄"而难免导致官方的监管无力,另一方面由于其没能尊重真实社会的具体诉求而使之沦为无人信仰的法律,以致最终导致陷入监管困局,这有力地说明立法表达必须尊重真实世界的社会实践。实际上,减少或消解非法集资及其所导致的社会问题的根本出路在于改革现有僵化的金融体制,对民间金融进行理性引导,逐步推进民间金融利率的市场化和合理化,使之步入法治化的轨道。这也是当前我国在极不利的国内外经济形势下保证经济持续增长的重要途径。

In a sense,the conclusion on Wu Ying illegal fund-raising case of the Supreme People＇s Court can be regarded as an optimum interaction between criminal justice and social practice and as an appropriate adjusting to current legislation in criminal justice process.The regulations in our country forbids Non-Governmental finance from the opposite by attacking illegal fund-raising.However,on the one hand,the over-inclusive phenomena of the regulations makes the government＇s supervisions of no avail.On the other hand,owing to the regulations＇ ignorance of the social demands,peoples are willing to break the law.This seriously brings about the supervisions to the inconvenient dilemma.In fact,the fundamental measures reducing the social problems of illegal fund-raising are reforming current rigid financial system and guiding Non-Governmental finance into the legitimate rail and making it marketization.