非法集资行为的规制模式研究

发布时间：2018-04-20 06:31

本文选题：非法集资 + 直接融资　；参考：《浙江大学》2014年硕士论文

【摘要】：市场经济条件下,非公有制经济得到了快速地发展,民营企业和个人对于资金的需求也进入到日趋旺盛和迫切的阶段。正规的金融体系已不能满足日益旺盛的市场需求,那些有迫切资金需求的民营企业和个人不得不铤而走险,走上非法集资的道路。自上世纪90年代,非法集资类犯罪开始呈现专业、系统化的现象。随后,我国逐步构建起了由刑法及相关附属刑法、司法解释、行政法律、部门规章组成的较为严密的非法集资法律规制体系。立法、司法和行政上的应对和处罚措施,在短期内对预防和打击非法集资类犯罪起到了一定的效果,但从二十年来的实践效果来看,非法集资行为的现行规制模式存在构成要件不够明确、行政监管与刑事规制梯度错位、法律监管模式未区分融资形式和过度适用死刑判决的问题。本文将以刑法学理论为依托,借鉴金融法学的相关理论,对非法集资现行规制模式的合理性进行检讨,并在遵循刑法学和金融法学的双重解读基础之上,提出重构非法集资行为规制模式的初步设想。具体来说,要遏制日益猖獗的非法集资类犯罪,须从外界融资环境和法律规制体系两方面同时着手,不可偏废。首先要从政策方面为中小企业的融资需求提供渠道支持,通过建立和完善中小金融机构、市场准入和退出机制、中小企业信用评级机制,以缓解民间闲置资本投资难与民营企业融资难的尖锐矛盾。其次是法律上的松绑。资金是企业运转的血液,顺畅的资金流转和强大的资金储备之于企业至关重要,解禁和改革民间金融成为个人和民营企业的共同吁请,在此背景下,直接融资形式的非法集资亟待挣脱刑事管制的桎梏。而由《证券法》调整直接融资、刑法中的非法吸收公众存款罪规制间接融资的立法构想,既遵循了刑法学和金融学的双重解读,又能为民营企业的融资行为提供一个“安全港”。
[Abstract]:Under the condition of market economy, the non-public ownership economy has been developed rapidly, and the private enterprises and individuals' demand for funds has also entered the increasingly exuberant and urgent stage. The formal financial system has been unable to meet the increasingly vigorous market demand, those private enterprises and individuals who have urgent capital needs have to take the risk of taking the road of illegal fund-raising. Since the 1990 s, illegal fund-raising crime began to show a professional, systematic phenomenon. Subsequently, China has gradually constructed a more strict legal regulation system of illegal fund-raising consisting of criminal law and related subsidiary criminal law, judicial interpretation, administrative law, and departmental regulations. Legislative, judicial and administrative measures of response and punishment have played a certain role in preventing and cracking down on illegal fund-raising crimes in the short term, but from the point of view of the practical effects of the past 20 years, The current regulatory model of illegal fund-raising is not clear enough, the administrative supervision and criminal regulation gradient mismatch, the legal supervision model does not distinguish between the financing form and the excessive application of death penalty. Based on the theory of criminal law and the relevant theories of financial law, this paper reviews the rationality of the current regulation mode of illegal financing, and on the basis of following the dual interpretation of criminal law and financial law, This paper puts forward a tentative idea of reconstructing the regulation mode of illegal fund-raising. Specifically, in order to curb the increasingly rampant illegal fund-raising crimes, we must start from the external financing environment and legal regulation system at the same time, can not be biased. First of all, we should provide policy support for the financing needs of small and medium-sized enterprises. Through the establishment and improvement of small and medium-sized financial institutions, market access and exit mechanisms, and credit rating mechanisms for small and medium-sized enterprises, In order to alleviate the private idle capital investment difficulty and private enterprise financing difficult sharp contradiction. The second is legal loosening. Capital is the blood of the operation of enterprises. Smooth circulation of funds and strong fund reserves are of great importance to enterprises. Lifting the ban and reforming private finance has become a common appeal of both individuals and private enterprises. The illegal financing in the form of direct financing needs to break away from the shackles of criminal control. By adjusting direct financing by "Securities Law" and regulating indirect financing by the crime of illegally absorbing public deposits in criminal law, it follows the dual interpretation of criminal law and finance. Can also provide a "safe haven" for the financing behavior of private enterprises.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D924.33

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