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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)??，首??(shou)先??(xian)??，應(yīng)??(ying)理??(li)性??(xing)評(píng)??(ping)估??(gu)自??(zi)身?(shen)需??(xu)求??(qiu)??，充??(chong)分??(fen)考??(kao)慮??(lv)自??(zi)己??(ji)是??(shi)否??(fou)會(huì)??(hui)長(zhǎng)??(chang)期??(qi)使??(shi)用祝(yong)該??(gai)服??(fu)務(wù)??(wu)或??(huo)商??(shang)品??(pin)??，避??(bi)免?(mian)因??(yin)優(yōu)??(you)惠??(hui)福??(fu)利??(li)而??(er)沖?(chong)動(dòng)秘(dong)消??(xiao)費(fèi)??(fei)??。??　　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)情秘(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(wú)??(wu)期??(qi)徒??(tu)刑??(xing)??，并??(bing)處??(chu)罰??(fa)金??(jin)或??(huo)沒(méi)??(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(wèn)??(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)??。。