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學(xué)習(xí)快評丨qibao666888　　根??(gen)據(jù)?(ju)我??(wo)國??(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??(wu)期??(qi)徒??(tu)刑??(xing)??，并??(bing)處??(chu)罰?(fa)金??(jin)或??(huo)沒??(mei)收??(shou)財??(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??(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??(ying)活??(huo)動??(dong)或??(huo)者??(zhe)用??(yong)于??(yu)生??(sheng)產(chǎn)??(chan)經(jīng)??(jing)營??(ying)活??(huo)動??(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)?。　　消??(xiao)費??(fei)者??(zhe)在??(zai)進??(jin)行??(xing)預(yù)??(yu)付??(fu)式?(shi)消??(xiao)費??(fei)時??(shi)務(wù)??(wu)必??(bi)保??(bao)持??(chi)警?(jing)惕??(ti)??。??首??(shou)先??(xian)要??(yao)保??(bao)持??(chi)理??(li)性?(xing)??，不??(bu)要??(yao)沖??(chong)動??(dong)??。在??(zai)看??(kan)懂??(dong)商??(shang)家??(jia)營??(ying)銷??(xiao)模?(mo)式??(shi)的??(de)基??(ji)礎(chǔ)?(chu)上?(shang)??，充??(chong)分??(fen)衡??(heng)量??(liang)風(fēng)??(feng)險??(xian)和??(he)收??(shou)益??(yi)比??(bi)例??(li)??，避??(bi)免??(mian)被??(bei)賭??(du)博??(bo)心??(xin)態(tài)??(tai)和??(he)僥??(jiao)幸??(xing)心??(xin)理??(li)蒙??(meng)蔽??(bi)雙??(shuang)眼??(yan)??。。