我国地下金融的刑事法律风险控制研究

Combating the Crime of Underground Finance in China

地下金融是指未被现行法律法规明确规定的金融方式。当前我国地下金融盛行，不仅对正规金融产生了影响，而且还带来了一系列的负面社会影响，并容易引发多种形式的犯罪。我国地下金融产生的主要原因是国家政策的管控、货币政策的抑制、当前的社会结构的限制和文化观念的影响，以及相关法律制度的缺失和法律适用的困境等因素的影响。要有效控制地下金融的刑事法律风险，应坚持地下金融风险大小判断的实质性标准，并在贯彻宽严相济刑事政策的同时，完善相应的法律制度，慎重限定地下金融犯罪的范围，但最为关键的还是需改变金融抑制政策，并树立有效监管理念、鼓励创新金融制度和完善金融生态。

Underground finance refers to the financial methods that are not clearly stipulated by current laws and regulations. At present, the prevalence of underground finance in China not only has an impact on formal finance, but also brings about a series of negative social impacts and easily leads to various forms of crime. The main reasons for the underground finance in our country are the control of national policies, the suppression of monetary policy, the restriction of the cun＇ent social structure and the influ- ence of cultural concepts, as well as the lack of relevant legal systems and the dilemma of legal application. In order to effectively control the criminal legal risks of underground finance, it is necessary to adhere to the substantive criteria for judging the size of underground financial risks. At the same time, implementing the criminal policy of tempering justice with mercy, it is essential to improve the corresponding legal system and be cautious about the scope of the crime of underground finance. The most crucial is that the state should relax its monetary controls, encourage the innovation of the financial system and improve the financial ecolo- gy.