非法吸收公众存款罪与民间借贷的界限之探析

The Analysis of the Limits between Crime of Illegally Absorbing Public Deposits and Private Lending

中小企业融资渠道不畅,为民间借贷的生存和发展提供了现实土壤。但民间借贷体制建设的滞后,使大量非法集资行为不断涌现,严重扰乱我国金融管理秩序。非法吸收公众存款罪尚存在某些争议问题,在司法实践中准确区分非法吸收公众存款罪和民间借贷仍面临着诸多困难。应结合现有立法规定,在准确认定非法吸收公众存款罪的行为主体、行为对象、行为内容的基础上,从融资方式、吸收资金的目的、合同遵守的态度三个方面来探析两者的界限。

Small and medium-sized enterprises’financing channel had been blocked^providing the soi l for the survival and develop- ment of private lending.Since the lagging construction of private lending system,a lot of illegal behaviors have been emerging,disturbing the order of our countrys financial management .There are still some controversial problems in the crime of illegally absorbing public deposits,which making it difficult to distinguish this crime and private lending in the judicial practice.In addition to combine the existing legislation,we should analysis the limits between the above two behaviors on the approach of financing,the purpose of absorbing public deposits and the attitude of compling with contracts,on the basis of accurately identifying the subject,object,content of behaviors of this