淺議互聯網金融背景下的非法集資問題

The Problem of Illegal Fundraising under the Background of Internet Finance

非法集資在互聯網金融興起的背景下呈現進一步多發的態勢，且呈現出一些新的特徵。監管機關和司法機構對非法集資的管制和處罰也進一步加強，這固然是有利於保護金融消費者的權益，但是過於嚴苛的管制和認定也與互聯網金融大背景下整體放松管制的趨勢相矛盾，有可能傷及無辜並遏制互聯網金融的創新和活力。為此，通過總結互聯網金融領域非法集資的犯罪特徵，深入解讀最新的司法解釋，將有助於完善非法集資的防控體系。

Under the background of emerging internet finance, illegal fundraising has presented an increasing status with new characteristics.The governance and punishment by the regulatory agency and judiciary on the illegal fundraising are further enhanced as well. This is of course helpful for the protection of financial consumers. However, the current over strict regulation and definition is somehow contradictory to the trend of loosening up of the internet finance background Given the above, based on the summarization of the characteristics illegal fundraising in the field of internet finance, this article deeply illustrated the newest legal interpretations by the Supreme Court and brought forward the conjecture on the prevention and control system of illegal fundraising.