非法吸收公众存款罪的事实与规范审视

Normative Review and Tangible Inspection on Crime of Illegally Absorbing Public Deposits

非法吸收公众存款是指非法以还本付息(给付回报)的方式吸收资金进行货币经营的行为,其他吸收资金的行为不应以本罪论处;吸收资金进行货币、资本经营活动与吸收资金进行实体经营活动具有机制上的显著不同;获取利润与获取息差不能等同,支付利息与支付回报不能等同;本罪法益是解释基准而非唯一评判标准,银行及其他金融机构的业务专营权是本罪法益的内容,但不能成为唯一的判断标准;"吸收公众存款"的行为类型是以还本付息(给付回报)的方式吸收公众资金进行货币经营的行为;在认定还本付息(给付回报)时,利率、(约定)利润率不应成为唯一标准。

Illegal absorption of public deposits refers to the illegal way to pay the principal and interest( pay return) way to absorb funds for money management behavior,and other acts of absorption of funds should not be based on the crime. There is a significant difference in the institutional activity between absorbing funds for money,capital business activities and absorption of funds. The profit and the interest rate cannot be equated,nor can the interest payment and the payment return be equated. The legal interest of this crime is the interpretation benchmark rather than the only criterion,and the business franchise of the bank and other financial institutions is the content of legal interest of this crime,but cannot become the only criterion of judgment; the type of behavior of " the absorption of public deposits" is the debt service( pay return) way to absorb public funds for money management behavior( pay return); interest rates should not become the sole criterion on determining debt service( return on payment).