核心价值观“五融入”｜金融普法：一图读懂《防范和处置非法集资条例》

Core Viewpoint - The article emphasizes the prohibition of illegal fundraising activities in China, outlining the principles and mechanisms for prevention, monitoring, and handling of such activities [5][28]. Group 1: Definition and Characteristics - Illegal fundraising is defined as the act of raising funds from unspecified individuals without legal permission or in violation of financial regulations, characterized by inducement and promises of returns [3][26]. - It involves attracting funds through promises of capital return or other investment returns [3][26]. Group 2: Prevention Principles - The state enforces a strict ban on all forms of illegal fundraising, adhering to principles of prevention, early intervention, comprehensive governance, and careful handling [5][28]. Group 3: Monitoring and Early Warning - Local governments are required to establish monitoring and early warning mechanisms for illegal fundraising, integrating them into the social security governance system and utilizing modern technologies like big data [7][29]. - Administrative and regulatory departments must enhance daily supervision and management of fundraising activities [7][29]. Group 4: Advertising Regulations - Except as specified by law, no entity or individual is allowed to publish advertisements related to fundraising or promote fundraising activities to the public [9][32]. - Relevant departments must strengthen monitoring of advertisements suspected of illegal fundraising and take timely legal action against identified illegal fundraising advertisements [11][32]. Group 5: Reporting Mechanisms - The state encourages reporting of suspected illegal fundraising activities, with designated departments required to provide accessible reporting methods and ensure confidentiality for whistleblowers [13][36]. Group 6: Investigation and Handling - Departments responsible for handling illegal fundraising must promptly organize investigations into suspected activities, employing various measures such as site inspections and document reviews [16][38]. - Investigators must consist of at least two individuals and present identification, while entities involved must cooperate with the investigation [39]. Group 7: Fund Recovery and Penalties - Illegal fundraisers and their accomplices are required to return collected funds to participants, with the process supervised by the relevant authorities [40]. - Penalties for illegal fundraising can include fines ranging from 20% to 100% of the raised amount, and for organizations, potential suspension of operations or revocation of licenses may apply [43].