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随着我国社会主义市场经济的不断发展,企业数量大规模增加,企业的生产经营活动在不断扩大的过程中对资金的需求也加大,由于受金融抑制政策等因素的影响,民间借贷成了满足企业资金需求的方式。然而民间借贷在运行过程中却极易异化为非法集资活动,因此,区分合法的民间借贷活动与非法集资活动具有重要的意义。本文通过分析民间借贷与非法集资的特征,提出区分二者的标准。
With the continuous development of the socialist market economy in our country, the number of enterprises has increased in large scale, and the demand for funds has also increased during the continuous expansion of the production and operation activities of enterprises. Due to the financial repression policy and other factors, the non-government loan has become The way to meet the capital needs of enterprises. However, in the process of operation, private lending can easily be turned into illegal fund-raising activities. Therefore, it is of great significance to distinguish between legitimate private lending activities and illegal fund-raising activities. By analyzing the characteristics of private lending and illegal fund-raising, this paper puts forward the criteria to distinguish the two.