民间借贷犯罪化趋势的原因探析及对策建议——以非法吸收公众存款罪为中心的考察

北京地区高发的非法吸收公众存款犯罪,在行为模式和犯罪成因上都具有独特性,使我们有必要重新审视本罪的司法认定。从认识层面看,非法吸存入罪是防范金融风险的必要措施,以放贷为目的吸存、以吸存为业、不顾风险吸存用于实业的行为均应列入非法吸收公众存款罪的打击范围。从实践层面看,打击非法吸存犯罪存在取证、定性和追赃上的难题,需要社会与司法形成合力,加强综合治理。放松对非法吸存行为的打击不仅无助于解决民间融资的困境,反而可能进一步恶化民间融资的秩序。

The Causes and Countermeasures for Criminal Trend of Private Lending ---A Research of Illegal Absorbing Public Deposits Crime

The illegal absorbing public deposits crimes, which occur widely in Beijing, have unique traits in behavior model and cause. So it is necessary for us to research the judicial cognizance of this kind of crime. Theoretically,it is a necessary measure to control financial risk by fighting illegal absorbing public deposits with criminal law. Absorbing public deposits for lending, absorbing public deposits to make profits, and absorbing public deposits for industry must all be considered as absorbing public deposits crimes. Practically, there are difficulties in obtaining evidence, determining criminal charge, and recovering illicit money. Therefore,it is necessary to strengthen comprehensive management and combine the forces of community and judicature. Relaxing the power for controlling the actions of absorbing public deposits is not conducive to resolve the difficulties of private lending. Instead, it may further deteriorate the order of private lending.