民间借贷异化为非法吸收公众存款犯罪的特点、成因及对策——基于对C市非法吸收公众存款案件的实证研究

近年来，非法吸收公众存款案件有愈演愈烈的趋势，其涉案金额之巨、影响及波及面之广、引发的社会问题之严重令人深思。笔者结合C市近两年来所办理的非法吸收公众存款案件，对民间借贷异化为非法吸收公众存款犯罪进行剖析，探究不同社会经济条件下民间借贷异化为非法吸收公众存款罪的特点及成因，并从建立多元化民间金融市场、健全金融市场监管机制、完善法律法规等方面入手，为防范和减少此类案件的发生提出了相应的对策建议。

From Private Loans to Illegal Collections of Public Deposits: Characteristics,Causes and Countermeasures-An Empirical Study Based on the Cases on Illegal Collections of Public Deposits in C City

In recent years, the trend of cases on illegal collections of public deposits has been worsening, considered thought-provoking for its connection with huge amounts of money involved, widespread influences and social problems set off. Focusing on the cases on illegal collections of public deposits handled in C city over the last two years, the author analyses the dissimilation from private loans to illegal collections of public deposits and inquiries into the characteristics of and causes for the dissimilation under different social politics and economy. Moreover, the author will start from building diversified private financial markets, improving the supervision mechanism of financial markets and completing laws and regulations and put forward some corresponding countermeasures and suggestions for preventing and reducing such cases as possible.