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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)情秘(qing)節(jié)??(jie)的??(de)??，處??(chu)七??(qi)年祝(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(méi)??(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)具祝(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)??(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)???！　??(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(shū)??(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)?。。