非法集资的规制体系建构

非法集资犯罪活动近年来越演越烈，大案要案频发，带来一系列的危害后果。且非法集资与合法的民间借贷之间界限模糊，非法集资就像是悬在民间借贷头顶上的“达摩克利斯之剑”，实践中容易出现非法集资的错误认定，因此，划清非法集资与民间借贷之间的界限就显得尤为必要，应对二者作出正确的定性，根据非法集资的成因分析，采取有效规制措施遏制非法集资，促进民间借贷的健康发展。

The construction of regulatory system of the illegal fund-raising

In recent years, the criminal activities of illegal fund-raising become more and more intensified and major cases take place frequently, which brings a range of harmful consequences. In addition, the boundaries of illegal fund-raising and legitimate private lending are not clear. Illegal fund-raising is like Sword of Damocles over the head of private lending, as a result, in practice it is easy to identify the illegal fund-raising incorrectly. Therefore, it is indispensable to draw the boundaries between the illegal fund-raising and the private lending. Determining the nature of both correctly is necessary. According to the cause of illegal fund-raising, effective regulatory measures should be taken to curb the development of the illegal fund-raising and promote the development of private lending healthily.