本文選題：非法集資 + 法律規(guī)制　； 參考：《河北大學(xué)》2016年碩士論文

【摘要】：上世紀(jì)九十年代,我國(guó)民間非法集資問(wèn)題開始初露端倪,由于涉及人員眾多、社會(huì)影響大,1995年以來(lái),國(guó)務(wù)院陸續(xù)出臺(tái)了一系列法律法規(guī),規(guī)制非法集資行為,并在刑法中規(guī)定了相關(guān)罪名。但由于社會(huì)公眾投資渠道狹窄、安全防范意識(shí)淡薄、非法集資方式隱蔽多樣、監(jiān)管處置不到位等因素,非法集資屢禁不止。特別是2008年金融危機(jī)以來(lái),隨著經(jīng)濟(jì)下行壓力加大,很多原來(lái)隱蔽的矛盾紛紛浮出水面、暴露出來(lái),非法集資多發(fā)高發(fā),溫州、鄂爾多斯等地集中爆發(fā),并有向不同行業(yè)、不同領(lǐng)域蔓延擴(kuò)散的趨勢(shì)。長(zhǎng)期以來(lái),我國(guó)打擊非法集資的態(tài)度十分明確,但往往是局限于刑法層面,多是事后監(jiān)管、事后打擊,盡管不法人員最終受到了法律的嚴(yán)懲,涉案資產(chǎn)也進(jìn)行了清退,但錯(cuò)已經(jīng)釀成,“遲到的正義非正義”。為此,筆者嘗試運(yùn)用歷史分析、實(shí)證分析、案例分析、規(guī)范分析等方法,從刑法、民法、行政法規(guī)不同層面,認(rèn)真梳理反思我國(guó)非法集資治理問(wèn)題,民間集資居于何種法律地位,如何依法規(guī)制非法集資,國(guó)內(nèi)外有無(wú)可借鑒的成功經(jīng)驗(yàn),如何完善治理體系等。非法集資不僅是違法行為,也是一種經(jīng)濟(jì)現(xiàn)象,反映了正規(guī)金融供給不足、民間金融需求缺口和民間投資渠道狹窄之間的矛盾。解決非法集資問(wèn)題,應(yīng)堅(jiān)持“標(biāo)本兼治、疏堵結(jié)合”的思路,完善我國(guó)非法集資和民間借貸的法律規(guī)制體系,制定《民間借貸法》、《放貸人條例》,擴(kuò)大《證券法》適用范圍,引導(dǎo)民間借貸“陽(yáng)光化”發(fā)展。要積極推進(jìn)金融創(chuàng)新,加快民營(yíng)銀行發(fā)展,建立民間借貸登記備案制度,建立信息采集分析、信用評(píng)估應(yīng)用等機(jī)制,創(chuàng)新集成監(jiān)管手段,有效防范非法集資問(wèn)題的發(fā)生。對(duì)已發(fā)生的非法集資問(wèn)題,要認(rèn)真落實(shí)各級(jí)政府的屬地責(zé)任和企業(yè)的主體責(zé)任,分類處理、幫打結(jié)合,依法及時(shí)進(jìn)行妥善處置,維護(hù)正常經(jīng)濟(jì)社會(huì)秩序。
[Abstract]:In the 90s of last century, the problem of illegal fund-raising in our country began to appear, because of the large number of people and great social impact. Since 1995, the State Council has introduced a series of laws and regulations to regulate illegal fund-raising and stipulate related charges in the criminal law. But the public investment channels are narrow and the awareness of safety precautions is weak. In particular, since the financial crisis of 2008, many of the original hidden contradictions have come to the surface since the financial crisis of 2008. The trend of spreading and spreading in different fields has been a very clear attitude in China for a long time, but it is often limited to the criminal law level, most of which are after the post supervision and after the attack. Although the illegal personnel are finally punished by the law, the assets involved in the case have been retreated, but the mistake has been made and "late justice is unjust". For this reason, a pen has been made. People try to use the methods of historical analysis, empirical analysis, case analysis, and normative analysis. From the different levels of criminal law, civil law and administrative regulations, we carefully review and reflect on the legal status of illegal capital collection and management in our country, what legal status of private capital collection is in China, and how to regulate illegal capital collection according to law. There is no successful experience for reference at home and abroad and how to improve the management system. Illegal fund-raising is not only an illegal act, but also an economic phenomenon. It reflects the contradiction between the shortage of regular financial supply, the gap between private financial demand and the narrow channel of private investment. We should formulate the private lending law, the lender Ordinance, expand the scope of the securities law and guide the development of the "sunny" development of private lending. We should actively promote financial innovation, accelerate the development of private banks, establish the system of registration and record of private lending, establish information collection and analysis, credit evaluation application and other mechanisms, innovate integrated supervision means, effectively guard against illicit The problem of fund-raising should be taken into account. For the problem of illegal capital collection, it is necessary to conscientiously implement the territorial responsibility of the governments at all levels and the main responsibility of the enterprises, classify and deal with them, combine them, and properly handle them in time to safeguard the normal economic and social order.

【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：D924.3

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