【作者】 林峰；

【导师】 李光曼；

【作者基本信息】 南昌大学 ， 法律硕士（专业学位）， 2018， 硕士

【摘要】 民间借贷与非法吸收公众存款之间界限不明所引起的争议提醒我们,应当对两者之间的区分标准进行细致入微的深入研究。概念的内涵界定是比较研究的逻辑前提,对此,民间借贷的内涵不应当限于国家管制说或者民事法律关系说所界定的内容,依据当前的经济发展状况,民商二重说应当得到提倡,即民间借贷是资金用于生产、生活,而非用于从事资本或货币经营的民间金融。而当商事民间借贷日趋占据主导地位且法律规定不明确时,民间借贷总体而言与非法吸收公众存款罪的构成要件在外观上产生了高度的相似性,民间借贷异化为犯罪的进程实际上是一个量变到质变的过程。在两者的界定上,诸如社会性、利诱性特征等不能直接作为区分标准,因为区分标准不是简单地对比和罗列。相对妥当的做法是从客观行为和主观认识两个方面区分,具体而言包括有否非法性、公开性程度、利诱性程度、社会性程度以及是否具有特定目的等的判断。在民刑程序上,我国的规定较之前已有所进步,但仍然有优化的余地。更多还原

【Abstract】 The controversy arising from the unknown boundaries between private lending and the illegal absorption of public deposits reminds us that we should make a detailed and intensive study of the criteria for the distinction between the two.The concept of the definition is the logical premise of the comparative research.The connotation of private lending should not be limited to the content defined by the state regulation theory or civil legal relation theory.Based on the current economic development situation,dualism of civil and commercials theory should be advocated.It means that private lending is the use of capital for production and life rather than private finance for capital or currency operations.When commercial borrowing has taken the leading role and the law is not clear,generally speaking,private lending has a high degree of similarity with the elements of the crime of illegal absorption of public deposits,and the process of the alienation of private lending as a crime is actually a process of quantitative change to qualitative change.In the case of the distinction between the two,such as social and inducements characteristics cannot be directly used as criteria,because the distinction is not a simple comparison and listing standards.The proper method is to distinguish from the two aspects of objective behavior and subjective cognition,including whether there are illegal,openness degree,degree of sociality,degree of social inducements and whether it has the specific purpose of judgment.In the civil and criminal procedure,the provisions of our country have improved somewhat,but there is still room for improvement.更多还原