非法吸收公众存款罪“非法性”及其反思——以P2P网络借贷犯罪的司法认定为视角

The Illegality of the Crime of Illegally Absorbing Public Deposits and Its Reflection——From the Perspective of Judicial Recognition of the Crime of P2P-OnlineLoans

以P2P网络借贷为代表的互联网金融自产生以来就不断受到涉嫌非法集资的质疑,非法吸收公众存款罪在P 2 P网络借贷领域的适用尤其是"非法性"的认定上也存在很多问题,具体表现在主体、行为模式等入罪构成要件和"非法性"认定例外等方面。有关主体应当结合当下的司法实践,对这些问题作出总结和反思,在坚持刑法谦抑观念的前提下合理划定犯罪圈,为P 2 P网络借贷提供自由的发展环境,鼓励金融创新。

Internet finance, represented by P2P-online-loans, has been questioned for alleged illegal fund-raising since its inception. There are also many problems in the application of the crime of illegally absorbing public deposits in the field of P2P-online-loans, especially the identification of “illegality”, which is manifested in the constitutive elements such as the subject and behavioral pattern, and the identification exception of“ illegality”. Relevant subjects should summarize and reflect on these issues in light of the current judicial practice, rationally delineate criminal circles while insisting on the modest suppression of criminal law, and provide a free environment for P2P online lending and encourage financial innovation.