民间借贷异化为非法融资的非刑罚规定研究

　　 

　　近年来，对个人借贷的监管的研究趋于成熟，但在企业与个人借贷，民间资本金融市场准入规制问题上法律监督很缺乏，因民间借贷异化为非法融资的案件层出不穷。本文以震惊全国的吴英案为入点，明确民间借贷与非法融资界限，分析民间借贷异化为非法融资的原因，提出建立非刑法民间借贷规制模式的基本路径和具体措施。

　　In recent years, the regulation of personal loans mature, but in the corporate and personal lending, private capital access to financial markets regulatory issues rarely lack of legal supervision, as a result of illegal financing of private lending alienation cases abound.In this paper, Wu Ying case shocked the nation for the entry point, clear boundaries of private lending and illegal financing, private lending alienation analyze the reasons for the illegal financing, proposed the establishment of non-penal regulation of private lending model base path and specific measures.