亚博买球

亚博买球jinri，2020nianhubeishengfangfanhuajiefeifajizidengjinrongfengxianxuanchuanjiaoyuyuehuodongzaiyichangyiwangluozhibofangshijuxingqidongyishi。zheishidi8gefangfanfeifajizixuanchuanyuehuodong，jinnianhuodongdezhutishi“shouzhuqiandaizi·huhaoxingfujia”，xuanchuanjiaoyuneirongjujiaofangfanfeifajizi、p2pwangluojiedai、weifaweiguijinronghuodongdengfangmian，tuchufangfanliyongyiqing、fugongfuchandengyoutoukaizhanweifaweiguijinronghuodongdexuanchuan，tishengqunzhongjinrongfazhi、jinrongfengxianyishi。

识别非法集资  防范金融风险

一、什么是非法集资

feifajizishiweifanguojiajinrongguanlifalvguiding，xiangshehuigongzhong（baokuodanweihegeren）xishouzijindexingwei。feifajizixingweixutongshijubeifeifaxing、gongkaixing、liyouxing、shehuixingsigetezhengyaojian。

feifaxing: weijingyouguanbumenyifapizhunhuozhejieyonghefajingyingdexingshixishouzijin；

亚博买球gongkaixing: tongguomeiti、tuijiehui、chuandan、shoujiduanxindengtujingxiangshehuigongkaixuanchuan；

liyouxing: chengnuozaiyidingqixianneiyihuobi、shiwu、guquandengfangshihaibenfuxihuozhejifuhuibao；

shehuixing: xiangshehuigongzhongjishehuibutedingduixiangxishouzijin。

二、非法集资的常见手段

1. chengnuogaoehuibao

bufafenziwangwangyigaoxihuibaoweiyouer，bianzao“tianshangdiaoxianbing”“zuozaijiazhongzhifu”“yiyechengfuweng”deshenhua，tongguobaolixunuoyinyoutouzizhexinganqingyuanjiangzijinjiaojitamenyiqiugaoehuibao。

2. bianzaoxujiaxiangmu

bufafenzidaduotongguozhucehefadegongsihuoqiye，dazhexiangyingguojiachanyezhengcedengqihao，jingyingxiangmuyouchuantongdezhongzhi、yangzhixingyefazhandaogaoxinjishukaifa、lvyouxiangmukaifa、kuangchankaifa、jizijianfang、jiankangyangsheng、touzirugu、xiaofeifanli、shouhoufanzudengneirong，yidinglihetongweihuangzi，bianzaoxujiaxiangmu，chengnuogaoegudingshouyi，pianqushehuigongzhongtouzi。

3. liyongwangluo

亚博买球xianxiatouzishitidian，zaiwangshangdajianp2ptouzipingtai；tongguoshouqurumenfei、huifeidengfangshijinxingwangluojizi、chuanxiaodengfangshi，dadaofeifajizidemude。

4. xujiaxuanchuanzaoshi

bufafenzizaixuanchuanshangwangwangyizhiqianjin，caiqupinqingmingxingdaiyan、jinxingshehuijuanzengdengfangshi，jiadaxuanchuanlidu，zhizaoxujiashengshi。

5. liyongqinqingyoupian

bufafenziwangwangliyongqinqi、pengyoutongxiangdengguanxi，yonggaoehuibaoyouhuoshehuigongzhongcanyutouzi。youxiecanyuchuanxiaorenyuan，zaichuanxiaozuzhidejingshenxinaohuorenshenqiangzhixiaweilewanchenghuozengjiazijideyeji，buxiliyongqinqing、diyuanguanxilalongqinpeng、tongxuehuolinjujiaru。

三、非法集资主要表现形式

亚博买球feifajizihuodongshejineirongguang，biaoxianxingshiduoyang，congmuqiananfaqingkuangkan，zhuyaobaokuozhaiquan、guquan、shangpinyingxiao、shengchanjingyingdengsidalei。zhuyaobiaoxianyouyixiajizhongxingshi:

1. jiezhongzhi、yangzhi、xiangmukaifa、zhuangyuankaifa、shengtaihuanbaotouzidengmingyifeifajizi。

亚博买球2. yifaxinghuobianxiangfaxinggupiao、zhaiquan、caipiao、touzijijindengquanlipingzhenghuozheyiqihuojiaoyi、diandangweimingjinxingfeifajizi。

3. tongguorenlinggufen、rugufenhongjinxingfeifajizi。

4. tongguohuiyuanka、huiyuanzheng、xiweizheng、youhuika、xiaofeikadengfangshijinxingfeifajizi。

5. yishangpinxiaoshouyufanzu、huigouyuzhuanrang、fazhanhuiyuan、shangjialianmengyu“kuaisujifenfa”dengfangshijinxingfeifajizi。

6. liyongxiandaidianziwangluojishugouzaode“xuni”chanpin，ru“dianzishangpu”“dianzibaihuo”touziweituojingying、daoqihuigoudengfangshijinxingfeifajizi。

7. duiwuye、dichandengzichanjinxingdengfenfenge，tongguochushouqifenedechuzhiquanjinxingfeifajizi。

8. liyonghulianwangshelitouzijijindexingshijinxingfeifajizi。

亚博买球9. liyong“dianzihuangjintouzi”xingshijinxingfeifajizi。

四、非法集资的危害

亚博买球yishifeifajiziyanzhongganraolezhengchangdejingji、jinrongzhixu，jiyiyinfashehuibuwendinghedaliangshehuizhianwenti，shenzhiyinfajubudiqudeshehuidongdang；

ershicanyufeifajizidedangshirenhuimengshouyanzhongjingjisunshi，shenzhiqingjiadangchan、jiaporenwang；

sanshifeifajizishuweifaxingwei，canyuzhekenenghuichengdanxiangyingfalvzeren，shoudaofalvzhicai。

五、识别、防范非法集资的对策

1. duigaoxiyouerbudongxin。duigaoehuibaodexuanchuanxulengjingfenxi，shixiang，yigeqiyexuyaoduogaodelirunlv，cainengzhichengdongzhe24%yishangdehuibao？

2. fengxianyushouyichengzhengbi。gaoshouyiwangwangbansuizhegaofengxian，ruguoyourenjieshaogaoshouyidifengxianchanpin，beihouwangwangyinzangzhepianju。

3. buchongbaibumixin。youxiegongsihuafeijuzigaoxuanchuandaguanggao，yongzaofudeshenhuahuyouqunzhong；shenzhizhongjinqinglaimingxingdangdaiyan，zichuizilei。

亚博买球4. buyaobaoyoujiaoxingxinli。youxierenmingzhishifeifajizi，dantantugaoshouyi，renweizijinengjishichoushen，xuzhifeifajizishiweifade，eryidanchushidaijiashicanzhongde。

亚博买球5. bumangcong。youxierencanyufeifajizi，shiyinweishenbiandeqinpenghaoyoutuijian，huozhekandaoqinpenghaoyoucanyuzhuanqulegaoelixi，caimangmujiaru。

6. zhangwobiyaojinrongzhishi。ketongguoguojiaqiyexinyongxinxichaxunxitong，chaxunxiangguanqiyeshifoujubeixiangguanzige，jindingqiyedejingyingfanwei，kantashifouyourongzidezizhi。ciwai，feifajiziwangwangjiezhuchuanxiaoshouduan，yingzhuyishibie。

六、有关注意事项

亚博买球1. jinrongyeshitexujingyingxingye，bixuchipaijingying

亚博买球suchengdejinrongpaizhaoshizhixiangguanjigoujingguojiajinrongjianguanbumenpizhun，congshitedingdejinrongyewudexukezheng，yourenminyinxing、yinbaojianhui、zhengjianhuibanfa。bixujingxukecaikekaizhandejinrongyewuzhuyaoyouyinxing、baoxian、xintuo、zhengquan、qihuo、jinrongzulin、gongmujijin、disanfangzhifudeng。zichanguanliyewu，shuyujinrongyewufanchou，bixuchipaijingying，bixunarujinrongjianguan。juminruyoulicaixuqiu，yingdangxuanzeyinxing、xintuo、zhengquan、jijin、qihuo、baoxianzichanguanlijigou、jinrongzichantouzigongsidengchipaijinrongjigoufaxingdezichanguanlichanpindeng。weijingjinrongjianduguanlibumenxuke，renhefeijinrongjigouhegerenbudedailixiaoshouzichanguanlichanpin。

2. canyufeifajizi,falvbubaohu,zhengfubumaidan

亚博买球genjuwoguofalvfagui，yincanyufeifajizihuodongershoudaodesunshi，youcanyuzhezixingchengdan，suoxingchengdezhaiwuhefengxian，budezhuanjiajiweicanyufeifajizihuodongdeqitarenhedanwei。jizikuandeqingtuiyinggenjuqinglihoushengyudezijin，anzhaojizirencanyudebilijiyutongyideqingtui。jingrenminfayuanzhixing，jizizherengbunengqingtuijizikuande，yingyoucanyuzhezixingchengdansunshi。zheiyiweizheyidanshehuigongzhongcanyufeifajizi，qiliyibushoufalvbaohu，suoshousunshibudeyaoqiuzhengfu、youguanbumenhesifajiguanchengdan。

警惕利用疫情、复工复产等由头开展违法金融活动

骗局一: 网络购物诈骗

亚博买球yiqingqijian，bufafenziliyongrenmenduifangyiyongpindepoqiexuqiujinxingwangluogouwuzhapian，qizhongyimaikouzhaozhapianjuduo，wuzimeidaoshou，fandaobeipian。

骗局二: 网络贷款诈骗

yiqingqijian，yixierenweifangdai、chedai、xinyongkahaikuanfachou。cishi，pianzijiuchenxuerrushishidaikuanzhapian。wangluodaikuanzhapiantaoluyouyixiajifangmian: shouxian，pianzitongguohulianwanghuoshoujifabudaikuanxinxi，yitigong“wudiyadaikuan”“dixidaikuan”“mianxidaikuan”weiyouerjinyibupianqushouhaizhedexinren。qici，guangdajixuzijindeqiyezhujigerenyidanshanggou，zaiantishixiazai“xxxdaikuanpingtai”huotianjiaweixin、qqhou，bianyijiaonashouxufei、baozhengjinyijiyidingqixiandelixidenggezhongliyoulaipianquqiancai。jingfangtixing，ruxudaikuanyingzaiguojiazhengguijinrongjigou（ruyinxing）banli，qiewutanfangbiantanxiaolicongbuzhimingdejiedaipingtaibanli，zheixiepingtaiwangwangbuneng“xuezhongsongtan”，fanerhui“xueshangjiashuang”。

骗局三: 利用网课诈骗

亚博买球yiqingqijian，xuexiaoyanqikaixue、“tingkebutingxue”，bufafenziliyongzheiyidian，maochonglaoshiqianruqqqun，yi“wangshangshoukeshoufei”weiyoushishizhapian，huotongguoduanxindaoqugerenxinxi。tongxuejijiazhangrushoudaojiaofeihuotigonggerenxinxidetongzhi，yaozhudongquguanfangqudaoyanzhengtongzhidezhenshixing。jiaofeiqianyaohexuexiao、laoshitongguodianhualianxidengfangshijinyibuqueren，buxiangmoshengrenzhanghudakuan。

以案说法

武汉某房地产公司、李某等人非法吸收公众存款案

亚博买球wuhanmoufangdichangongsi、limoudengrenfeifaxishougongzhongcunkuananshiwuhanshijinnianlaikaizhandajifeifajizizhuanxianghuodongzhongshejideyiqizhongdaanjian，gaiansheanrenfan26ren，sheandanwei1ge，sheanjiziweifanhaijinedarenminbi24yiyuyuan，sheantouziren1.2wanyuren。2011nianqi，wuhanmoufangdichangongsiweijiejuezijinzhouzhuanwenti，yibaozufanli、daoqihuigoudefangshifeifaxishougongzhongzijin。limoudengshejijijinchanpin，chenglitouziguanligongsizuoweipingtai，xiangshehuigongzhongfeifamujizijin。limoudenghaisheji、kaifa、yunyingp2ppingtai，chenglihulianwangjinrongguanlizhongxin，xugouzhaiquanzhuanrangbiaode，tongguomendianhehulianwangxianshangjinxingtuiguang，chengnuojiyutouzizhegudinghuibao，feifaxishougongzhongzijin。jianghanqufayuanyu2018nian9yueduicianjinxingyishenpanjue，xuanpanhou，beigaorenlimoudeng26renmeiyoushangsu，zhiyoubeigaodanweiwuhanmoufangdichangongsitiqishangsu，wuhanshizhongjirenminfayuanyu2019nian5yuezuochuxingshicaidingshu，bohuishangsu，weichiyuanpan。

十堰蔡某、占某涉嫌非法吸收公众存款案

亚博买球caimoushishiyanzhangwanquyiyaoyegongsidefuzeren，2013nianzhi2016nianqijian，caimoujiqiyaoyegongsijinglizhanmouyigongsixuyaozijinzhouzhuan、banlichanquanzheng、kuozhanyewudengweiyou，xiangshehuigongzhongxuanchuanqitouzilicaixiangmu，bingchengnuoyuelixi1.5%zhi2%，4nianjianxiyinle150yurentouzi，gongxishouzijin6000yuwanyuan。houyouyugongsijingyingbushan，caimouzijinlianduanlie，zaocheng3500duowanyuanzijinwufachanghai。2017nian2yue，zhangwanjingfangchenggongzhenpolezheiyifeifaxishougongzhongcunkuanan。jingshiyanshizhangwanqurenminfayuanpanjue，caimou、zhanmoujunpanchuyouqituxing4nian6geyuebingjiangweifasuodeyuyizhuijiao，fahaigebeihairen。gaiyaoyegongsifanfeifaxishougongzhongcunkuanzui，panchufajin20wanyuan。