论互联网金融中的“非法集资”——兼评最新非法集资司法解释

互联网金融中的非法集资风险主要集中于P2P和众筹领域。P2P领域中的三种模式已经触犯了非法集资的法律红线,而股权类众筹最可能涉及的犯罪是非法集资犯罪中的擅自发行股票、公司、企业债券罪。两高和公安部联合颁布的最新司法解释在非法集资构成要件的认定上采取了"从严把握"的原则,更是大大增加了部分互联网金融活动的非法集资的入罪风险。因此,对互联网金融中非法集资的风险防控应建立起一整套完善的监管体系,并充分发挥行业自律作用,以促进互联网金融的健康发展。

On the Illegal Fund-raising in the Internet Financial---Comments on the latest judicial interpretation of illegal fund-raising

The risk of illegal fund-raising in internet financial foruses on P2 P and raise public areas.P2 P three models in the field of law has violated the redline of illegal fund-raising. Raise public equity class is most iikely involved in the sin of without issuing shares, company, corporate bonds. The latest judicial interpretation adopted a＂ strict grasp＂ principle on the identification of illegal fund-raising,which has greatly increased the crime risk of illegal fund-raising in the internet financial activities.Therefor, we should establish a set of comprehensive regulatory system to prevent the risk of illegal fund-raising in the Internet financial, and give full play to the role of industry self-regulation, in order to promote the healty development of the interner financial.