民间融资罪刑边界的扩张与反思

Expansion and Introspection on Criminal Punishment Boundary of Informal Financing

民间融资罪刑边界的扩张与非法集资现象的屡禁不止是一个值得反思的对照。我国基础性金融法律规范不健全,对非法民间融资行为缺乏规制力度。非法集资的入罪标准较低,为司法规制的重刑主义大开方便之门,但对应的刑事法实践却不同程度地呈现出司法乱象。非法吸收公众存款罪等集资罪名的扩张适用,挤压了民间融资的生存空间,对正常的民间融资行为构成一种"误伤"。刑事规制的现实表明,民间非法融资简单靠"堵截"及重刑威慑,根本无法真正解决问题。因此,有必要在摒弃"倾斜保护主义"刑事政策的同时,调整我国非法集资罪刑边界扩张化的治理思路,使集资行为的刑法规制保持"宽容"的理性。

The expansion on criminal punishment boundary of informal financing and rampant illegal fund-raising phenomenon despite repeated prohibitions deserves reflective antithesis .In China , fundamental fi-nance legal norms are not sound , which lead to the lack of deterrent intensity for illegal and informal finan-cing.The lower standard of conviction on illegal fund-raising opens convenient doors to the doctrine of severe punishment about judicial regulation .However , the confused phenomena with varying degrees appear in corre-sponding criminal justice practice .The expansive application on fund-raising charges , such as the charge of il-legal collection of personal savings , squesszes the living space of informal financing , which engenders “inci-dental injuries” to normal folk-finance .The reality of criminal regulation shows that the problems of illegal in-formal finance can ’ t be veritably solved by solely “blocking” and deterrence from severe punishment .As a re-sult, it is necessary to adjust the governing concept of expansion on the criminal punishment boundary of infor -mal financing , while abandoning criminal policy of “inclined protectionism”, in order to propel the criminal regulation of raising fund-raising to maintain “tolerant” rationality.