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非法集资,是刑法上一个笼统的概念,在区分非法集资之前,需要明确什么是合法的集资,将集资分为合法与非法,对合法的集资行为进行保护,对非法的集资行为进行规制。民间借贷是合法集资中最典型的方式,民间借贷与非法集资之间的界限划定,对实务界搞活经济又不违背刑法规定是一个指导。刑法是规定行为的法律,从行为方式上界定二者区别,是一种捷径。
Illegal fund-raising is a general concept in criminal law. Before distinguishing between illegal fund-raising and fund-raising, it is necessary to clarify what is legal fund-raising, divide fund-raising into lawfulness and illegality, protect lawful fund-raising behavior and regulate illegal fund-raising behavior. Private lending is the most typical way of legal fund-raising. The demarcation line between private lending and illegal fund-raising is a guideline for invigorating the economy in practical circles without violating the provisions of criminal law. Criminal law is the law that stipulates the behavior, it is a shortcut to define the difference between the two ways.