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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??(wu)期??(qi)徒??(tu)刑??(xing)??，并秘(bing)處?(chu)罰?(fa)金??(jin)或??(huo)沒??(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??(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)???！　∷?(suo)謂??(wei)預(yù)??(yu)付??(fu)式??(shi)消??(xiao)費(fèi)??(fei)??，是?(shi)指??(zhi)消??(xiao)費(fèi)?(fei)者??(zhe)在??(zai)商??(shang)家??(jia)交??(jiao)付??(fu)商??(shang)品??(pin)或??(huo)提??(ti)供??(gong)服??(fu)務(wù)??(wu)之??(zhi)前??(qian)??，根?(gen)據(jù)??(ju)商??(shang)家??(jia)提??(ti)供??(gong)的??(de)營(yíng)??(ying)銷??(xiao)方??(fang)案??(an)以??(yi)優(yōu)??(you)惠??(hui)的?(de)價(jià)??(jia)格??(ge)預(yù)??(yu)付??(fu)費(fèi)??(fei)用祝(yong)??，然?(ran)后??(hou)再??(zai)取??(qu)得??(de)商??(shang)品??(pin)或??(huo)接??(jie)受??(shou)服??(fu)務(wù)??(wu)的??(de)消??(xiao)費(fèi)??(fei)模??(mo)式??(shi)??。??伴??(ban)隨??(sui)著??(zhe)預(yù)??(yu)付??(fu)式??(shi)消??(xiao)費(fèi)??(fei)迅??(xun)猛??(meng)發(fā)??(fa)展??(zhan)??，相?(xiang)關(guān)??(guan)糾??(jiu)紛??(fen)不??(bu)斷??(duan)增??(zeng)多??(duo)??，經(jīng)??(jing)營(yíng)??(ying)者?(zhe)卷??(juan)款??(kuan)“跑??(pao)路??(lu)”、商??(shang)家??(jia)限??(xian)制??(zhi)消??(xiao)費(fèi)??(fei)、“職?(zhi)業(yè)??(ye)閉??(bi)店??(dian)人??(ren)”等??(deng)亂??(luan)象??(xiang)時(shí)??(shi)有??(you)發(fā)??(fa)生??(sheng)??，嚴(yán)??(yan)重??(zhong)損??(sun)害??(hai)消??(xiao)費(fèi)??(fei)者??(zhe)合??(he)法??(fa)權(quán)??(quan)益??(yi)??，破??(po)壞??(huai)正??(zheng)常??(chang)市??(shi)場(chǎng)??(chang)秩??(zhi)序??(xu)??。消??(xiao)費(fèi)??(fei)者?(zhe)應(yīng)??(ying)當(dāng)??(dang)如?(ru)何??(he)規(guī)??(gui)避??(bi)其??(qi)中??(zhong)的??(de)風(fēng)??(feng)險(xiǎn)??(xian)??，合??(he)理??(li)保??(bao)護(hù)?(hu)自??(zi)身??(shen)合??(he)法??(fa)權(quán)??(quan)益??(yi)呢??(ne)？??。