非法集资法律规制的不足及调整

非法集资活动近年来愈演愈烈,其原因在于我国金融体制市场化改革与计划经济时代的法律规制体系之间的矛盾.目前,我国对非法集资的法律规制主要依赖于行政上的取缔和刑事上的严惩.这种做法不仅不符合经济发展的规律,不利于金融体制改革,还违背了法律规制体系的阶梯性要求.因而有必要进行改革,对我国非法集资法律规制体系进行调整：增设民事规制,注重行政措施前期的介入,限制刑事规制的适用.

The Insufficient and Adjustment of The Legal Regulationon on Illegal Fund-raising

In recent years, for severe restriction in financing regulation, illegal financings are very popular in China. At present, illegal fund-raising is mainly banned from administrative sanction and criminal punishment. This approach doesn＇t comply with the rules of the development on the economy, and is not conducive to the financial system reform. Besides, it also violated the legal regulation system. Therefore it is necessary to reform the legal regulation system of illegal fund-raising in China, such as adding civil regulation, paying attention to administrative measures for early intervention and applying less criminal regulation.