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學(xué)習(xí)快評(píng)丨qibao666888　　根??(gen)據(jù)?(ju)我??(wo)國(guó)??(guo)刑??(xing)法?(fa)第?(di)一??(yi)百??(bai)九??(jiu)十??(shi)二??(er)條??(tiao)規(guī)??(gui)定??(ding)??，以??(yi)非?(fei)法??(fa)占??(zhan)有??(you)為??(wei)目??(mu)的??(de)??，使??(shi)用??(yong)詐??(zha)騙??(pian)方??(fang)法??(fa)非??(fei)法??(fa)集??(ji)資??(zi)??，數(shù)?(shu)額??(e)較??(jiao)大??(da)的?(de)??，處??(chu)三??(san)年??(nian)以??(yi)上??(shang)七??(qi)年??(nian)以??(yi)下??(xia)有??(you)期??(qi)徒??(tu)刑??(xing)??，并??(bing)處??(chu)罰??(fa)金??(jin)；數(shù)??(shu)額??(e)巨?(ju)大??(da)或??(huo)者??(zhe)有??(you)其?(qi)他??(ta)嚴(yán)??(yan)重??(zhong)情??(qing)節(jié)??(jie)的??(de)??，處??(chu)七??(qi)年??(nian)以??(yi)上??(shang)有??(you)期??(qi)徒??(tu)刑??(xing)或?(huo)者??(zhe)無(wú)??(wu)期??(qi)徒??(tu)刑??(xing)??，并??(bing)處??(chu)罰??(fa)金??(jin)或??(huo)沒?(mei)收??(shou)財(cái)?(cai)產(chǎn)??(chan)??。??第??(di)一??(yi)百??(bai)七?(qi)十??(shi)六??(liu)條??(tiao)規(guī)?(gui)定??(ding)??，非??(fei)法??(fa)吸??(xi)收??(shou)公??(gong)眾??(zhong)存??(cun)款??(kuan)或??(huo)者??(zhe)變??(bian)相??(xiang)吸??(xi)收??(shou)公??(gong)眾??(zhong)存??(cun)款??(kuan)??，擾??(rao)亂??(luan)金??(jin)融??(rong)秩?(zhi)序?(xu)的??(de)??，處??(chu)三??(san)年??(nian)以??(yi)下??(xia)有??(you)期??(qi)徒??(tu)刑?(xing)或??(huo)者?(zhe)拘??(ju)役??(yi)??，并??(bing)處??(chu)或??(huo)單??(dan)處??(chu)罰??(fa)金??(jin)；數(shù)??(shu)額??(e)巨??(ju)大??(da)或??(huo)者??(zhe)有??(you)其??(qi)他??(ta)嚴(yán)??(yan)重??(zhong)情??(qing)節(jié)??(jie)的??(de)??，處??(chu)三??(san)年?(nian)以??(yi)上??(shang)十??(shi)年??(nian)以??(yi)下??(xia)有??(you)期??(qi)徒?(tu)刑??(xing)??，并?(bing)處??(chu)罰??(fa)金?(jin)；數(shù)??(shu)額??(e)特??(te)別??(bie)巨??(ju)大??(da)或??(huo)者??(zhe)有??(you)其??(qi)他??(ta)特??(te)別??(bie)嚴(yán)??(yan)重??(zhong)情??(qing)節(jié)??(jie)的?(de)??，處??(chu)十??(shi)年??(nian)以??(yi)上?(shang)有??(you)期??(qi)徒??(tu)刑??(xing)??，并??(bing)處??(chu)罰??(fa)金??(jin)??。根??(gen)據(jù)??(ju)《最??(zui)高??(gao)人??(ren)民??(min)法??(fa)院??(yuan)關(guān)??(guan)于??(yu)審??(shen)理??(li)非??(fei)法??(fa)集??(ji)資??(zi)刑??(xing)事??(shi)案??(an)件??(jian)具??(ju)體?(ti)應(yīng)??(ying)用??(yong)法??(fa)律??(lv)若??(ruo)干??(gan)問(wèn)??(wen)題??(ti)的??(de)解??(jie)釋??(shi)》??，如??(ru)果??(guo)集??(ji)資??(zi)后??(hou)不??(bu)用?(yong)于??(yu)生??(sheng)產(chǎn)?(chan)經(jīng)祝(jing)營(yíng)??(ying)活??(huo)動(dòng)??(dong)或??(huo)者??(zhe)用??(yong)于??(yu)生??(sheng)產(chǎn)??(chan)經(jīng)??(jing)營(yíng)??(ying)活??(huo)動(dòng)??(dong)與??(yu)籌??(chou)集??(ji)資??(zi)金??(jin)規(guī)??(gui)模?(mo)明??(ming)顯?(xian)不??(bu)成??(cheng)比??(bi)例??(li)??，致??(zhi)使??(shi)集??(ji)資??(zi)款??(kuan)不?(bu)能??(neng)返??(fan)還??(hai)的??(de)；肆??(si)意??(yi)揮??(hui)霍??(huo)集??(ji)資??(zi)款??(kuan)??，致??(zhi)使??(shi)集??(ji)資??(zi)款??(kuan)不??(bu)能??(neng)返??(fan)還??(hai)等??(deng)情??(qing)形??(xing)??，可??(ke)認(rèn)??(ren)定??(ding)為??(wei) “以?(yi)非?(fei)法?(fa)占??(zhan)有?(you)為??(wei)目??(mu)的??(de)”??，以??(yi)集??(ji)資?(zi)詐??(zha)騙??(pian)罪?(zui)定??(ding)罪??(zui)處??(chu)罰?(fa)??。　　為??(wei)了??(le)避??(bi)免?(mian)陷??(xian)入??(ru)“職?(zhi)業(yè)??(ye)閉??(bi)店??(dian)人?(ren)”的??(de)陷??(xian)阱??(jing)??，消??(xiao)費(fèi)??(fei)者??(zhe)在??(zai)預(yù)??(yu)付??(fu)式??(shi)消??(xiao)費(fèi)??(fei)時(shí)??(shi)??，要??(yao)提??(ti)高??(gao)防??(fang)范??(fan)風(fēng)??(feng)險(xiǎn)??(xian)的?(de)意??(yi)識(shí)??(shi)和??(he)維?(wei)護(hù)??(hu)自?(zi)身?(shen)合??(he)法?(fa)權(quán)??(quan)益??(yi)的??(de)能?(neng)力??(li)??。??另??(ling)一??(yi)方??(fang)面??(mian)??，商?(shang)家??(jia)平??(ping)臺(tái)??(tai)要??(yao)進(jìn)??(jin)一??(yi)步??(bu)完??(wan)善?(shan)監(jiān)??(jian)管??(guan)制??(zhi)度??(du)??，建??(jian)立??(li)健??(jian)全??(quan)存??(cun)款?(kuan)保??(bao)險(xiǎn)??(xian)制??(zhi)度??(du)??，保??(bao)障??(zhang)消??(xiao)費(fèi)??(fei)者??(zhe)資??(zi)金??(jin)安??(an)全??(quan)；進(jìn)??(jin)一??(yi)步??(bu)強(qiáng)??(qiang)化??(hua)經(jīng)??(jing)營(yíng)??(ying)者??(zhe)的??(de)信??(xin)息?(xi)披??(pi)露??(lu)義??(yi)務(wù)??(wu)??，在??(zai)合?(he)同??(tong)簽??(qian)訂??(ding)前?(qian)以??(yi)書??(shu)面??(mian)形??(xing)式??(shi)提??(ti)供??(gong)詳??(xiang)盡??(jin)合??(he)同??(tong)條??(tiao)款??(kuan)??，并??(bing)在??(zai)官?(guan)方??(fang)網(wǎng)??(wang)站??(zhan)、營(yíng)?(ying)業(yè)??(ye)場(chǎng)??(chang)所?(suo)顯?(xian)著?(zhu)位??(wei)置?(zhi)公??(gong)示??(shi)產(chǎn)??(chan)品??(pin)信??(xin)息??(xi)??，涵??(han)蓋??(gai)服??(fu)務(wù)??(wu)內(nèi)??(nei)容??(rong)、價(jià)??(jia)格??(ge)、退??(tui)款??(kuan)政?(zheng)策??(ce)等??(deng)關(guān)??(guan)鍵??(jian)信??(xin)息??(xi)??。。