随着金融市场的飞速发展,非法吸收公众存款案件的数量不断增多。然而,关于非法吸收公众存款罪的客观构成要件,理论界和实务界尚存在很多争议问题。本文结合相关理论和司法解释,对非法吸收公众存款罪的客观构成要件进行分析和讨论,以期对理论和实务有所助益。由于刑法对非法吸收公众存款罪的客观构成要件的描述比较简单,司法机关基本上按照相关司法解释理解本罪的构成要件,本文也按照相关的司法解释规定,对非法吸收公众存款罪客观构成要件展开讨论。本罪的“非法性”,主要表现为“未经有关部门批准”,但是,“未经有关部门批准”只是“非法”的一种表现形式,“经有关部门批准”的金融机构也能成为本罪的行为主体。本罪的“公开性”,主要表现在传播媒介上的公开宣传,除了“媒体、推介会、传单、手机短信”等,还应包括“口口相传”的方式,行为人在腾讯QQ、微信、微博等社交软件上发布集资信息的行为是否属于公开宣传,需要根据行为对象的来源以及人员稳定性、与行为人联系的紧密程度、传播信息的便宜程度等因素综合判断。本罪的“利诱性”,主要表现为非法吸收公众存款行为时的擅自提高利率,以及变相吸收公众存款行为时承诺任何条件下“保本付息”。本罪的“公众性”,主要是表现为行为对象上的公众性,即公众的存款。对“公众”的判断,要结合多众性和不特定性。公众的存款,必须是货币形式,包括存入和没有存入银行或其他金融机构的资金。本罪的危害结果,是“扰乱金融秩序”,即实质性地侵害了国家的金融管理秩序。对于“扰乱金融秩序”的认定,需要考量两个主要因素:第一,行为人所吸收的资金的使用用途;第二,公众的财产损失。
With the high development of financial market, cases of illegal absorbing public deposits have been on the rise, but there are always many disputes on the objective constituent elements both theoretical and practice circles. This paper aims to discuss and analyze the objective constituent elements of illegal absorbing public deposits , referring to the relevant theoretical and judicial interpretation.There is only a brief description in the criminal law article of this crime, so the judicial office judge the illegal absorbing public deposits according to the relevant judicial interpretation, and this paper takes the same structure. The illegitimacy of the crime, always means “without permitted by relevant department”. But, “without permission by relevant department” is just a form of “illegal”, the financial institutions “with permission by relevant department” also can be the subject of this crime.The openness of the crime, always means the publicity of the route transmission, not only the “media、showcase、flyer、messages”, but also the pattern of “from mouth to mouth”. When the actor post message of absorbing deposits with the social software, for example, Tencent QQ、WeChat、microblog, the judge of openness should according to these factors, the source and stability of the behavior object, the depth of the relationship between the actor and the behavior object、the conveniences of the spreading information.The beneficial temptation of the crime, always means increasing the interest rate arbitrarily in the illegal absorbing public deposits, and guarantee profits under any condition in the disguised absorbing public deposits.The public of the crime, always reflects as the public of the behavior object-public deposits. The judge criterion of public ,should combine the numerous and non-special characters. The public deposits that absorbed must be currency, including the money that has been absorbed by the bank and the other financial institutions or not. The result of this crime, is causing a large loss of financial market. There are two judgement standards about this. First, the usage of the money that absorbed. Second, the public’s property damage.