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學(xué)習(xí)快評(píng)丨qibao666888　　消??(xiao)費(fèi)??(fei)者??(zhe)在??(zai)進(jìn)??(jin)行??(xing)預(yù)??(yu)付??(fu)式??(shi)消??(xiao)費(fèi)??(fei)時(shí)?(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(dòng)??(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(xiǎn)?(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)???！　「??(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(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??(ying)活??(huo)動(dòng)?(dong)或?(huo)者??(zhe)用??(yong)于??(yu)生??(sheng)產(chǎn)??(chan)經(jīng)??(jing)營??(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)??。。