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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(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??(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)???！　≡??(zai)次??(ci)??，在??(zai)預(yù)??(yu)付??(fu)消??(xiao)費(fèi)??(fei)前??(qian)詳??(xiang)細(xì)?(xi)閱??(yue)讀??(du)合??(he)同??(tong)條??(tiao)款??(kuan)??，明??(ming)確?(que)預(yù)??(yu)付??(fu)卡??(ka)的??(de)功??(gong)能??(neng)、使??(shi)用??(yong)范??(fan)圍??(wei)、有??(you)效??(xiao)期??(qi)限??(xian)、退??(tui)卡??(ka)(款??(kuan))條??(tiao)件??(jian)、違?(wei)約??(yue)責(zé)??(ze)任??(ren)等??(deng)事?(shi)項(xiàng)??(xiang)??，對(duì)??(dui)于?(yu)模??(mo)糊??(hu)不??(bu)清??(qing)或??(huo)涉??(she)及??(ji)高??(gao)額??(e)回??(hui)報(bào)??(bao)返?(fan)現(xiàn)?(xian)的??(de)內(nèi)?(nei)容?(rong)??，務(wù)??(wu)必??(bi)與??(yu)商??(shang)家??(jia)確?(que)認(rèn)??(ren)清??(qing)楚??(chu)后??(hou)再??(zai)決??(jue)定??(ding)是??(shi)否?(fou)簽??(qian)署??(shu)??。??。