民间融资有其高利性、便捷性、零担保的特性,在与主流金融机构的融资竞争中处于优势地位。但民间融资的上述特性,从借方角度来看,又极易转化为巨大的风险。这种风险,在没有规范制约的情况下,难免成为滋生犯罪的温床。本课题旨在分析民间融资引发刑事犯罪背后风险的根源,以期提出具有可行性与操作性的针对措施,以规避民间融资过程中的各种风险,避免犯罪的产生。 Private finance has its own characteristics of high profitability, convenience and zero guarantee, and is in a dominant position in financing competition with mainstream financial institutions. However, the above characteristics of private financing, from a borrowing point of view, but also easily transformed into huge risks. This kind of risk, without norms and constraints, will inevitably become a breeding ground for crime. The purpose of this topic is to analyze the root causes of the risks behind the criminal offenses raised by private financing in order to put forward feasible and operational measures to avoid various risks in the process of private financing and avoid the occurrence of crimes.