非法吸收公众存款罪司法认定疑难问题研究 -法学专业

摘要

非法吸收公众存款罪作为金融犯罪中的重要罪名，近年来随着金融创新和互联网金融的迅猛发展，该类案件呈现出高发态势，给司法实践带来诸多挑战。本研究旨在深入探讨非法吸收公众存款罪在司法认定过程中存在的疑难问题，通过梳理相关法律法规及司法解释，对“公众”“存款”“变相吸收”等核心概念进行重新界定，明确其与合法融资行为的界限。研究发现，当前司法实践中存在对构成要件理解不一、证据标准把握不准等问题，导致同类案件裁判结果差异较大。为此，本文提出应从主体资格审查、资金来源合法性判断、宣传方式合规性等方面构建统一的司法认定标准，并建议完善相关立法，细化罪状描述，以增强法律适用的可操作性。本研究不仅为司法机关提供了具有指导意义的操作指南，也为金融监管部门制定政策提供了参考依据，有助于维护金融秩序稳定，促进金融市场健康发展。

关键词：非法吸收公众存款罪司法认定标准互联网金融

Abstract

The crime of illegally absorbing public deposits is an important crime in financial crimes. With the rapid development of financial innovation and Internet finance in recent years, such cases have shown a high incidence, which brings many challenges to judicial practice. This study aims to deeply explore the difficult problems existing in the judicial determination process of the crime of illegally absorbing public deposits, and redefine the core concepts of "public", "deposit" and "disguised absorption" by combing relevant laws, regulations and judicial interpretations, so as to clarify the boundary between them and legal financing behaviors. It is found that there are some problems in current judicial practice, such as different understanding of constitutive elements and inaccurate grasp of evidence standards, which lead to great differences in the judgment results of similar cases. Therefore, this paper proposes to establish a unified judicial determination standard from the aspects of subject qualification examination, fund source legitimacy judgment, publicity mode compliance, etc., and suggests improving relevant legislation and refining the desc ription of crimes to enhance the operability of law application. This study not only provides operational guidelines with guiding significance for judicial organs, but also provides a reference for financial regulatory authorities to formulate policies, which is conducive to maintaining the stability of financial order and promoting the healthy development of financial markets.

Keyword:Illegal Absorption Of Public Deposits Judicial Recognition Standards Internet Finance

1绪论 1

1.1研究背景与意义 1

1.2国内外研究现状 1

2非法吸收公众存款罪的构成要件分析 1

2.1主体资格的认定标准 2

2.2客观行为的表现形式 2

2.3主观故意的判断依据 3

3司法实践中证据采信问题研究 3

3.1证据收集的合法性审查 3

3.2电子数据的证据效力 4

3.3证人证言的真实性甄别 5