非法吸收公众存款罪的限缩与平衡

The Balance of the Crime of Illegally Absorbing Public Deposits

随着市场经济的蓬勃发展,企业出于旺盛融资需要转向"危险"的民间集资,但非法吸收公众存款罪采取严格、叙明的立法模式,导致此罪大量出现。一方面危害社会秩序;另一方面,司法资源大量投入导致犯罪预防与民间借贷监督机制的缺位。通过立法限缩此罪惩戒范畴,建立民间借贷行业内部监督机制,并以融资目的是否用于生产经营改良入罪标准,明确民间借贷与非法吸收公众存款罪界限,以期实现社会秩序稳定与市场经济发展之间的动态平衡。

With the vigorous development of market economy, enterprises turn to “dangerous" private fund raising for the sake of abundant needs of financing, but the crime of illegally absorbing public deposits adopts a strict and explicit legislative model, resulting in a large number of violations. On the one hand, it endangers social order;On the other hand, the massive input of judicial resources leads to the absence of crime prevention and supervision mechanism of private lending. To lessen the punishment category of this crime through legislation, establish the internal supervision mechanism of the private lending industry, and to identify whether the financing purpose is used for the enterprise operation improvement, the boundary between the private lending and the illegal absorption of public deposits can be clarified. By such measures, it is expected that the dynamic balance between social order stability and market economic development can be achieved.