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2022年防范非法集資宣傳月|非法集資的定義和基本特征

2022-06-28 11:52:07 來源:浙江省通信管理局 中國互聯(lián)網(wǎng)協(xié)會 閱讀量:11895 評論

導(dǎo)讀:今年6月開展“防范非法集資宣傳月”活動,主題為“守住錢袋子·護好幸福家”。中國互聯(lián)網(wǎng)協(xié)會特別推出系列專題,教您如何防范非法集資,揭示非法集資的特征和危害,自覺遠離風險,共同守護幸福生活。

  【農(nóng)機網(wǎng) 通知公告】為認真貫徹落實《防范和處置非法集資條例》(以下簡稱《條例》),加大《條例》普法和防范非法集資的宣傳力度,增強人民群眾對非法集資的意識和能力,今年6月開展“防范非法集資宣傳月”活動,主題為“守住錢袋子·護好幸福家”。中國互聯(lián)網(wǎng)協(xié)會特別推出系列專題,教您如何防范非法集資,揭示非法集資的特征和危害,自覺遠離風險,共同守護幸福生活。
 
  非法集資基本概念介紹非法集資的定義和基本特征
 
  根據(jù)《防范和處置非法集資條例》,非法集資,是指未經(jīng)國務(wù)院金融管理部門依法許可或者違反國家金融管理規(guī)定,以許諾還本付息或者給予其他投資回報等方式,向不特定對象吸收資金的行為。
 
  非法集資行為需同時具備三要件:一是“未經(jīng)國務(wù)院金融管理部門依法許可或者違反國家金融管理規(guī)定”,即非法性;二是“許諾還本付息或者給予其他投資回報”,即利誘性;三是“向不特定對象吸收資金”,即社會性。
 
  1.非法性:“未經(jīng)國務(wù)院金融管理部門依法許可或者違反國家金融管理規(guī)定”,國務(wù)院金融管理部門為“一行兩會一局”(“一行”是中國人民銀行,“兩會”是中國銀保監(jiān)會、中國證監(jiān)會,“一局”是外匯管理局)。根據(jù)現(xiàn)行法律法規(guī),凡是向不特定對象吸收資金的行為(如吸收存款、公開發(fā)行證券、公開募集基金、銷售保險等),都需經(jīng)國務(wù)院金融管理部門依法許可。
 
  2.利誘性:非法集資一般都許諾還本付息。正規(guī)金融機構(gòu)的理財產(chǎn)品均不承諾保本保收益。
 
  3.社會性:“向不特定對象吸收資金”。“不特定對象”即社會公眾。按照高法院《司法解釋》規(guī)定,未向社會公開宣傳,在親友或者單位內(nèi)部針對特定對象吸收資金的,不屬于非法集資。
 
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