金融自由与经济自由是现代宪政的基本价值之一。“吴英非法集资案”反映出目前中国民间金融的发展困境,表现为自身发展困局、宏观经济困局、金融体制困局和法律体系困局等四大困境。本文以势、法、术为要点,论证指出破解中国民间金融发展困局的三个主要维度分别是政策精神层面、法律规范层面和制度建设层面。 Financial freedom and economic freedom are one of the basic values ​​of modern constitutional government. “Wu Ying illegal fund-raising ” reflects the current dilemma in China’s development of non-state finance, manifested itself in the dilemma of development, the macroeconomic dilemma, the dilemma of the financial system and the plight of the legal system and other four plight. This article takes the potential, the law and the technique as the key points. The author argues that the three main dimensions of cracking down the dilemma of China’s non-governmental financial development are the policy spirit level, the law standard level and the system construction level respectively.