民间融资的法律风险及防范路径

摘要

由于缺乏完善的民间融资法律体系，民间融资参与人面临着遭遇经济犯罪、因意思自治受限导致合同无效、获利不受法律保护、刑事优先程序导致民事救济受阻等诸多法律风险。防范上述风险，必须使民间融资活动在现行法律框架内“不违法”，即保证融资主体适格、融资活动非涉众、融资方式非公开、资金使用特定及主体的融资意愿真实。%The participating people of folk financing may be faced with a lot of law risks,including the crime of illegal absorbing of public deposits,the crime of illegal issuing shares and bonds and other relative crimes,contract futility for fail impression,no legal protection of profit gain,the hinders of civil relief from criminal preferential procedure and so on.Keeping watch the above-mentioned risks, we must ensure the folk financing behaviors"not to break the law"within current laws frame,maybe by making the financing main body lattice suitable ,limiting the financing activity within the specific people,ensure the financing way with the real financing wish and being not in an open manner.