KYB CHINA(2020年12月21日国务院第119次常务会议通过 2021年1月26日中华人民共和国国务院令第737号公布 自2021年5月1日起施行)
(Adopted at the 119th Executive Meeting of the State Council on December 21, 2020, promulgated by Decree No. 737 of the State Council of the People's Republic of China on January 26, 2021, and effective as of May 1, 2021)
总 则
General Provisions
为了防范和处置非法集资，保护社会公众合法权益，防范化解金融风险，维护经济秩序和社会稳定，制定本条例。
This Regulation is formulated to prevent and handle illegal fundraising, protect the legitimate rights and interests of the public, prevent and resolve financial risks, and maintain economic order and social stability.
本条例所称非法集资，是指未经国务院金融管理部门依法许可或者违反国家金融管理规定，以许诺还本付息或者给予其他投资回报等方式，向不特定对象吸收资金的行为。
For the purposes of this Regulation, 'illegal fundraising' refers to the act of absorbing funds from unspecified objects by promising repayment of principal and interest or giving other investment returns without lawful permission from the financial regulatory department of the State Council or in violation of national financial management regulations.
非法集资的防范以及行政机关对非法集资的处置，适用本条例。法律、行政法规对非法从事银行、证券、保险、外汇等金融业务活动另有规定的，适用其规定。
The prevention of illegal fundraising and the handling of illegal fundraising by administrative organs shall be governed by this Regulation. Where laws and administrative regulations provide otherwise for illegally engaging in banking, securities, insurance, foreign exchange, and other financial business activities, those provisions shall prevail.
本条例所称国务院金融管理部门，是指中国人民银行、国务院金融监督管理机构和国务院外汇管理部门。
For the purposes of this Regulation, 'financial regulatory department of the State Council' refers to the People's Bank of China, the financial regulatory authority of the State Council, and the foreign exchange regulatory department of the State Council.
本条例所称非法集资人，是指发起、主导或者组织实施非法集资的单位和个人；所称非法集资协助人，是指明知是非法集资而为其提供帮助并获取经济利益的单位和个人。
For the purposes of this Regulation, 'illegal fundraisers' refer to units and individuals that initiate, lead, or organize the implementation of illegal fundraising; 'illegal fundraising assistants' refer to units and individuals that, knowing it is illegal fundraising, provide assistance and obtain economic benefits.
国家禁止任何形式的非法集资，对非法集资坚持防范为主、打早打小、综合治理、稳妥处置的原则。
The State prohibits any form of illegal fundraising and adheres to the principles of prevention first, early detection and early intervention, comprehensive governance, and stable handling of illegal fundraising.
省、自治区、直辖市人民政府对本行政区域内防范和处置非法集资工作负总责，地方各级人民政府应当建立健全政府统一领导的防范和处置非法集资工作机制。县级以上地方人民政府应当明确防范和处置非法集资工作机制的牵头部门（以下简称处置非法集资牵头部门），有关部门以及国务院金融管理部门分支机构、派出机构等单位参加工作机制；乡镇人民政府应当明确牵头负责防范和处置非法集资工作的人员。上级地方人民政府应当督促、指导下级地方人民政府做好本行政区域防范和处置非法集资工作。
The people's governments of provinces, autonomous regions, and municipalities directly under the Central Government shall assume overall responsibility for the prevention and handling of illegal fundraising within their respective administrative regions. Local people's governments at all levels shall establish and improve a working mechanism for the prevention and handling of illegal fundraising under the unified leadership of the government. People's governments at or above the county level shall designate a leading department for the working mechanism for the prevention and handling of illegal fundraising (hereinafter referred to as the leading department for handling illegal fundraising), and relevant departments as well as branches and dispatched offices of the financial regulatory department of the State Council shall participate in the working mechanism. Township people's governments shall designate personnel responsible for leading the prevention and handling of illegal fundraising. Higher-level local people's governments shall supervise and guide lower-level local people's governments in carrying out the prevention and handling of illegal fundraising within their respective administrative regions.
行业主管部门、监管部门应当按照职责分工，负责本行业、领域非法集资的防范和配合处置工作。
Industry competent departments and regulatory departments shall, in accordance with their respective responsibilities, be responsible for the prevention of and cooperation in handling illegal fundraising in their respective industries and fields.
国务院建立处置非法集资部际联席会议（以下简称联席会议）制度。联席会议由国务院银行保险监督管理机构牵头，有关部门参加，负责督促、指导有关部门和地方开展防范和处置非法集资工作，协调解决防范和处置非法集资工作中的重大问题。
The State Council shall establish an inter-ministerial joint conference system for handling illegal fundraising (hereinafter referred to as the joint conference). The joint conference shall be led by the banking and insurance regulatory authority of the State Council, with the participation of relevant departments, and shall be responsible for supervising and guiding relevant departments and localities in carrying out the prevention and handling of illegal fundraising, and coordinating the resolution of major issues in the prevention and handling of illegal fundraising.
各级人民政府应当合理保障防范和处置非法集资工作相关经费，并列入本级预算。
People's governments at all levels shall reasonably ensure the relevant funds for the prevention and handling of illegal fundraising and include them in the budgets at the corresponding levels.
防 范
Prevention
地方各级人民政府应当建立非法集资监测预警机制，纳入社会治安综合治理体系，发挥网格化管理和基层群众自治组织的作用，运用大数据等现代信息技术手段，加强对非法集资的监测预警。
Local people's governments at all levels shall establish a monitoring and early warning mechanism for illegal fundraising, integrate it into the comprehensive social governance system, leverage the role of grid management and grassroots self-governing organizations, and use modern information technology such as big data to strengthen the monitoring and early warning of illegal fundraising.
行业主管部门、监管部门应当强化日常监督管理，负责本行业、领域非法集资的风险排查和监测预警。
Industry competent departments and regulatory departments shall strengthen daily supervision and management, and be responsible for risk investigation and monitoring and early warning of illegal fundraising in their respective industries and fields.
联席会议应当建立健全全国非法集资监测预警体系，推动建设国家监测预警平台，促进地方、部门信息共享，加强非法集资风险研判，及时预警提示。
The joint conference shall establish and improve a national monitoring and early warning system for illegal fundraising, promote the construction of a national monitoring and early warning platform, facilitate information sharing between localities and departments, strengthen risk assessment of illegal fundraising, and provide timely early warning.
市场监督管理部门应当加强企业、个体工商户名称和经营范围等商事登记管理。除法律、行政法规和国家另有规定外，企业、个体工商户名称和经营范围中不得包含“金融”、“交易所”、“交易中心”、“理财”、“财富管理”、“股权众筹”等字样或者内容。
Market supervision and management departments shall strengthen the commercial registration management of enterprise and individual business names and business scopes. Unless otherwise provided by laws, administrative regulations, or the State, the names and business scopes of enterprises and individual businesses shall not contain words or content such as 'finance,' 'exchange,' 'trading center,' 'wealth management,' 'wealth management,' or 'equity crowdfunding.'
县级以上地方人民政府处置非法集资牵头部门、市场监督管理部门等有关部门应当建立会商机制，发现企业、个体工商户名称或者经营范围中包含前款规定以外的其他与集资有关的字样或者内容的，及时予以重点关注。
The leading department for handling illegal fundraising of the local people's government at or above the county level, the market supervision and management department, and other relevant departments shall establish a consultation mechanism. If it is found that the name or business scope of an enterprise or individual business contains other words or content related to fundraising other than those specified in the preceding paragraph, timely attention shall be given.
处置非法集资牵头部门会同互联网信息内容管理部门、电信主管部门加强对涉嫌非法集资的互联网信息和网站、移动应用程序等互联网应用的监测。经处置非法集资牵头部门组织认定为用于非法集资的，互联网信息内容管理部门、电信主管部门应当及时依法作出处理。
The leading department for handling illegal fundraising shall, together with the internet information content management department and the telecommunications authority, strengthen the monitoring of internet information and internet applications such as websites and mobile applications suspected of illegal fundraising. If it is determined by the leading department for handling illegal fundraising that they are used for illegal fundraising, the internet information content management department and the telecommunications authority shall promptly handle the matter in accordance with the law.
互联网信息服务提供者应当加强对用户发布信息的管理，不得制作、复制、发布、传播涉嫌非法集资的信息。发现涉嫌非法集资的信息，应当保存有关记录，并向处置非法集资牵头部门报告。
Internet information service providers shall strengthen the management of information published by users and shall not produce, reproduce, publish, or disseminate information suspected of illegal fundraising. If information suspected of illegal fundraising is discovered, relevant records shall be preserved and reported to the leading department for handling illegal fundraising.
除国家另有规定外，任何单位和个人不得发布包含集资内容的广告或者以其他方式向社会公众进行集资宣传。
Unless otherwise provided by the State, no unit or individual may publish advertisements containing fundraising content or conduct fundraising publicity to the public in any other manner.
市场监督管理部门会同处置非法集资牵头部门加强对涉嫌非法集资广告的监测。经处置非法集资牵头部门组织认定为非法集资的，市场监督管理部门应当及时依法查处相关非法集资广告。
The market supervision and management department shall, together with the leading department for handling illegal fundraising, strengthen the monitoring of advertisements suspected of illegal fundraising. If it is determined by the leading department for handling illegal fundraising that they constitute illegal fundraising, the market supervision and management department shall promptly investigate and deal with the relevant illegal fundraising advertisements in accordance with the law.
广告经营者、广告发布者应当依照法律、行政法规查验相关证明文件，核对广告内容。对没有相关证明文件且包含集资内容的广告，广告经营者不得提供设计、制作、代理服务，广告发布者不得发布。
Advertising operators and advertising publishers shall, in accordance with laws and administrative regulations, examine relevant certification documents and verify the content of advertisements. For advertisements without relevant certification documents and containing fundraising content, advertising operators shall not provide design, production, or agency services, and advertising publishers shall not publish them.
处置非法集资牵头部门与所在地国务院金融管理部门分支机构、派出机构应当建立非法集资可疑资金监测机制。国务院金融管理部门及其分支机构、派出机构应当按照职责分工督促、指导金融机构、非银行支付机构加强对资金异常流动情况及其他涉嫌非法集资可疑资金的监测工作。
The leading department for handling illegal fundraising and the branches and dispatched offices of the financial regulatory department of the State Council in the locality shall establish a monitoring mechanism for suspicious funds related to illegal fundraising. The financial regulatory department of the State Council and its branches and dispatched offices shall, in accordance with their respective responsibilities, urge and guide financial institutions and non-bank payment institutions to strengthen the monitoring of abnormal fund flows and other suspicious funds suspected of illegal fundraising.
金融机构、非银行支付机构应当履行下列防范非法集资的义务：
Financial institutions and non-bank payment institutions shall perform the following obligations to prevent illegal fundraising:
（一）建立健全内部管理制度，禁止分支机构和员工参与非法集资，防止他人利用其经营场所、销售渠道从事非法集资；
(1) Establish and improve internal management systems, prohibit branches and employees from participating in illegal fundraising, and prevent others from using their business premises or sales channels to engage in illegal fundraising;
（二）加强对社会公众防范非法集资的宣传教育，在经营场所醒目位置设置警示标识；
(2) Strengthen public education on preventing illegal fundraising, and set up warning signs in prominent locations of business premises;
（三）依法严格执行大额交易和可疑交易报告制度，对涉嫌非法集资资金异常流动的相关账户进行分析识别，并将有关情况及时报告所在地国务院金融管理部门分支机构、派出机构和处置非法集资牵头部门。
(3) Strictly implement the large-value transaction and suspicious transaction reporting systems in accordance with the law, analyze and identify accounts with abnormal flows related to suspected illegal fundraising funds, and promptly report the relevant information to the local branches andagency of the financial regulatory department of the State Council and the leading department for illegal fundraising disposal.
行业协会、商会应当加强行业自律管理、自我约束，督促、引导成员积极防范非法集资，不组织、不协助、不参与非法集资。
Industry associations and chambers of commerce shall strengthen industry self-discipline and self-restraint, supervise and guide members to actively prevent illegal fundraising, and not organize, assist, or participate in illegal fundraising.
联席会议应当建立中央和地方上下联动的防范非法集资宣传教育工作机制，推动全国范围内防范非法集资宣传教育工作。
The joint meeting shall establish a central-local linkage mechanism for public education on preventing illegal fundraising, and promote nationwide public education on preventing illegal fundraising.
地方各级人民政府应当开展常态化的防范非法集资宣传教育工作，充分运用各类媒介或者载体，以法律政策解读、典型案例剖析、投资风险教育等方式，向社会公众宣传非法集资的违法性、危害性及其表现形式等，增强社会公众对非法集资的防范意识和识别能力。
Local people's governments at all levels shall carry out regular public education on preventing illegal fundraising, fully utilize various media or carriers, and through methods such as legal policy interpretation, typical case analysis, and investment risk education, publicize the illegality, harmfulness, and manifestations of illegal fundraising to the public, enhancing the public's awareness and ability to identify illegal fundraising.
行业主管部门、监管部门以及行业协会、商会应当根据本行业、领域非法集资风险特点，有针对性地开展防范非法集资宣传教育活动。
Industry competent departments, regulatory departments, and industry associations and chambers of commerce shall, based on the characteristics of illegal fundraising risks in their respective industries and fields, carry out targeted public education activities on preventing illegal fundraising.
新闻媒体应当开展防范非法集资公益宣传，并依法对非法集资进行舆论监督。
News media shall carry out public interest publicity on preventing illegal fundraising and conduct public opinion supervision over illegal fundraising in accordance with the law.
对涉嫌非法集资行为，任何单位和个人有权向处置非法集资牵头部门或者其他有关部门举报。
Any unit or individual has the right to report suspected illegal fundraising activities to the leading department for illegal fundraising disposal or other relevant departments.
国家鼓励对涉嫌非法集资行为进行举报。处置非法集资牵头部门以及其他有关部门应当公开举报电话和邮箱等举报方式、在政府网站设置举报专栏，接受举报，及时依法处理，并为举报人保密。
The state encourages reporting of suspected illegal fundraising activities. The leading department for illegal fundraising disposal and other relevant departments shall publicly disclose reporting methods such as reporting hotlines and email addresses, set up reporting columns on government websites, accept reports, handle them promptly in accordance with the law, and maintain confidentiality for the whistleblower.
居民委员会、村民委员会发现所在区域有涉嫌非法集资行为的，应当向当地人民政府、处置非法集资牵头部门或者其他有关部门报告。
Residents' committees and villagers' committees, upon discovering suspected illegal fundraising activities in their area, shall report to the local people's government, the leading department for illegal fundraising disposal, or other relevant departments.
处置非法集资牵头部门和行业主管部门、监管部门发现本行政区域或者本行业、领域可能存在非法集资风险的，有权对相关单位和个人进行警示约谈，责令整改。
The leading department for illegal fundraising disposal and industry competent departments and regulatory departments, upon discovering that there may be illegal fundraising risks in their administrative region or industry/field, have the right to issue warning interviews to relevant units and individuals and order rectification.
处 置
Disposal
对本行政区域内的下列行为，涉嫌非法集资的，处置非法集资牵头部门应当及时组织有关行业主管部门、监管部门以及国务院金融管理部门分支机构、派出机构进行调查认定：
For the following acts within their administrative region that are suspected of illegal fundraising, the leading department for illegal fundraising disposal shall promptly organize relevant industry competent departments, regulatory departments, and branches andagency of the financial regulatory department of the State Council to conduct investigation and determination:
（一）设立互联网企业、投资及投资咨询类企业、各类交易场所或者平台、农民专业合作社、资金互助组织以及其他组织吸收资金；
(1) Establishing internet enterprises, investment and investment consulting enterprises, various trading venues or platforms, farmers' professional cooperatives, mutual fund organizations, and other organizations to absorb funds;
（二）以发行或者转让股权、债权，募集基金，销售保险产品，或者以从事各类资产管理、虚拟货币、融资租赁业务等名义吸收资金；
(2) Absorbing funds under the guise of issuing or transferring equity or debt, raising funds, selling insurance products, or engaging in various asset management, virtual currency, financial leasing businesses, etc.;
（三）在销售商品、提供服务、投资项目等商业活动中，以承诺给付货币、股权、实物等回报的形式吸收资金；
(3) Absorbing funds in commercial activities such as selling goods, providing services, or investment projects by promising returns in the form of currency, equity, physical goods, etc.;
（四）违反法律、行政法规或者国家有关规定，通过大众传播媒介、即时通信工具或者其他方式公开传播吸收资金信息；
(4) Publicly disseminating information about absorbing funds through mass media, instant messaging tools, or other means in violation of laws, administrative regulations, or relevant state provisions;
（五）其他涉嫌非法集资的行为。
(5) Other acts suspected of illegal fundraising.
对跨行政区域的涉嫌非法集资行为，非法集资人为单位的，由其登记地处置非法集资牵头部门组织调查认定；非法集资人为个人的，由其住所地或者经常居住地处置非法集资牵头部门组织调查认定。非法集资行为发生地、集资资产所在地以及集资参与人所在地处置非法集资牵头部门应当配合调查认定工作。
For suspected illegal fundraising activities across administrative regions, if the illegal fundraiser is a unit, the leading department for illegal fundraising disposal at the place of registration shall organize investigation and determination; if the illegal fundraiser is an individual, the leading department for illegal fundraising disposal at the place of domicile or habitual residence shall organize investigation and determination. The leading departments for illegal fundraising disposal at the place where the illegal fundraising activity occurred, where the raised assets are located, and where the fundraising participants are located shall cooperate with the investigation and determination work.
处置非法集资牵头部门对组织调查认定职责存在争议的，由其共同的上级处置非法集资牵头部门确定；对跨省、自治区、直辖市组织调查认定职责存在争议的，由联席会议确定。
If there is a dispute over the responsibility for organizing investigation and determination among leading departments for illegal fundraising disposal, the common superior leading department for illegal fundraising disposal shall determine; if there is a dispute over the responsibility for organizing investigation and determination across provinces, autonomous regions, or municipalities directly under the central government, the joint meeting shall determine.
处置非法集资牵头部门组织调查涉嫌非法集资行为，可以采取下列措施：
When organizing an investigation into suspected illegal fundraising activities, the leading department for illegal fundraising disposal may take the following measures:
（一）进入涉嫌非法集资的场所进行调查取证；
(1) Enter the premises suspected of illegal fundraising to conduct investigation and evidence collection;
（二）询问与被调查事件有关的单位和个人，要求其对有关事项作出说明；
(2) Question units and individuals related to the investigated incident, and require them to provide explanations on relevant matters;
（三）查阅、复制与被调查事件有关的文件、资料、电子数据等，对可能被转移、隐匿或者毁损的文件、资料、电子设备等予以封存；
(3) Inspect and copy documents, materials, electronic data, etc., related to the investigated incident, and seal up documents, materials, electronic devices, etc., that may be transferred, concealed, or damaged;
（四）经处置非法集资牵头部门主要负责人批准，依法查询涉嫌非法集资的有关账户。
(4) With the approval of the principal responsible person of the leading department for handling illegal fundraising, legally inquire about relevant accounts involved in illegal fundraising.
调查人员不得少于2人，并应当出示执法证件。
Investigators shall be no fewer than two persons and shall present law enforcement credentials.
与被调查事件有关的单位和个人应当配合调查，不得拒绝、阻碍。
Units and individuals related to the investigated incident shall cooperate with the investigation and shall not refuse or obstruct it.
处置非法集资牵头部门对涉嫌非法集资行为组织调查，有权要求暂停集资行为，通知市场监督管理部门或者其他有关部门暂停为涉嫌非法集资的有关单位办理设立、变更或者注销登记。
The leading department for handling illegal fundraising, when organizing an investigation into suspected illegal fundraising activities, has the authority to require the suspension of fundraising activities and to notify the market supervision and management department or other relevant departments to suspend the establishment, change, or cancellation of registration for units involved in suspected illegal fundraising.
经调查认定属于非法集资的，处置非法集资牵头部门应当责令非法集资人、非法集资协助人立即停止有关非法活动；发现涉嫌犯罪的，应当按照规定及时将案件移送公安机关，并配合做好相关工作。
If an investigation determines that illegal fundraising has occurred, the leading department for handling illegal fundraising shall order the illegal fundraiser and illegal fundraising facilitator to immediately cease the relevant illegal activities; if a crime is suspected, the case shall be transferred to the public security organ in a timely manner in accordance with regulations, and cooperation shall be provided in related work.
行政机关对非法集资行为的调查认定，不是依法追究刑事责任的必经程序。
The administrative authority's determination of illegal fundraising through investigation is not a prerequisite for pursuing criminal liability according to law.
根据处置非法集资的需要，处置非法集资牵头部门可以采取下列措施：
As necessary for handling illegal fundraising, the leading department for handling illegal fundraising may take the following measures:
（一）查封有关经营场所，查封、扣押有关资产；
(1) Seal up relevant business premises, and seal up or seize relevant assets;
（二）责令非法集资人、非法集资协助人追回、变价出售有关资产用于清退集资资金；
(2) Order the illegal fundraiser and illegal fundraising facilitator to recover or sell off relevant assets to raise funds for refunding fundraising funds;
（三）经设区的市级以上地方人民政府处置非法集资牵头部门决定，按照规定通知出入境边防检查机关，限制非法集资的个人或者非法集资单位的控股股东、实际控制人、董事、监事、高级管理人员以及其他直接责任人员出境。
(3) Upon decision by the leading department for handling illegal fundraising of the local people's government at or above the city divided into districts, notify the border inspection authorities in accordance with regulations to restrict the exit of individuals involved in illegal fundraising or the controlling shareholders, actual controllers, directors, supervisors, senior management, and other directly responsible persons of the illegal fundraising entity.
采取前款第一项、第二项规定的措施，应当经处置非法集资牵头部门主要负责人批准。
The measures specified in items (1) and (2) of the preceding paragraph shall be taken with the approval of the principal responsible person of the leading department for handling illegal fundraising.
非法集资人、非法集资协助人应当向集资参与人清退集资资金。清退过程应当接受处置非法集资牵头部门监督。
The illegal fundraiser and illegal fundraising facilitator shall refund the fundraising funds to the fundraising participants. The refund process shall be subject to the supervision of the leading department for handling illegal fundraising.
任何单位和个人不得从非法集资中获取经济利益。
No unit or individual may obtain economic benefits from illegal fundraising.
因参与非法集资受到的损失，由集资参与人自行承担。
Losses incurred from participating in illegal fundraising shall be borne by the fundraising participants themselves.
清退集资资金来源包括：
Sources of funds for refunding fundraising funds include:
（一）非法集资资金余额；
(1) The balance of illegal fundraising funds;
（二）非法集资资金的收益或者转换的其他资产及其收益；
(2) Income from illegal fundraising funds or other assets converted therefrom and their income;
（三）非法集资人及其股东、实际控制人、董事、监事、高级管理人员和其他相关人员从非法集资中获得的经济利益；
(3) Economic benefits obtained by the illegal fundraiser and its shareholders, actual controllers, directors, supervisors, senior management, and other relevant personnel from illegal fundraising;
（四）非法集资人隐匿、转移的非法集资资金或者相关资产；
(4) Illegal fundraising funds or related assets concealed or transferred by the illegal fundraiser;
（五）在非法集资中获得的广告费、代言费、代理费、好处费、返点费、佣金、提成等经济利益；
(5) Economic benefits obtained from illegal fundraising, such as advertising fees, endorsement fees, agency fees, kickbacks, rebates, commissions, and royalties;
（六）可以作为清退集资资金的其他资产。
(6) Other assets that can be used as sources for refunding fundraising funds.
为非法集资设立的企业、个体工商户和农民专业合作社，由市场监督管理部门吊销营业执照。为非法集资设立的网站、开发的移动应用程序等互联网应用，由电信主管部门依法予以关闭。
For enterprises, individually-owned businesses, and specialized farmer cooperatives established for illegal fundraising, the market supervision and management department shall revoke their business licenses. For websites established for illegal fundraising and internet applications such as mobile applications developed for illegal fundraising, the telecommunications authority shall close them in accordance with the law.
国务院金融管理部门及其分支机构、派出机构，地方人民政府有关部门以及其他有关单位和个人，对处置非法集资工作应当给予支持、配合。
The financial regulatory departments of the State Council and their branches and dispatched offices, relevant departments of local people's governments, and other relevant units and individuals shall provide support and cooperation in the work of handling illegal fundraising.
任何单位和个人不得阻挠、妨碍处置非法集资工作。
No unit or individual may obstruct or hinder the work of handling illegal fundraising.
处置非法集资过程中，有关地方人民政府应当采取有效措施维护社会稳定。
During the process of handling illegal fundraising, the relevant local people's government shall take effective measures to maintain social stability.
法律责任
Legal Liability
对非法集资人，由处置非法集资牵头部门处集资金额20%以上1倍以下的罚款。非法集资人为单位的，还可以根据情节轻重责令停产停业，由有关机关依法吊销许可证、营业执照或者登记证书；对其法定代表人或者主要负责人、直接负责的主管人员和其他直接责任人员给予警告，处50万元以上500万元以下的罚款。构成犯罪的，依法追究刑事责任。
For an illegal fundraising entity, the department responsible for handling illegal fundraising shall impose a fine of not less than 20% and not more than 100% of the amount raised. If the illegal fundraising entity is a unit, it may also be ordered to suspend production or business operations depending on the severity of the circumstances, and the relevant authorities shall revoke its permit, business license, or registration certificate according to law; a warning shall be given to its legal representative or principal responsible person, directly responsible supervisor, and other directly responsible personnel, and a fine of not less than 500,000 yuan and not more than 5 million yuan shall be imposed. If a crime is constituted, criminal liability shall be pursued according to law.
对非法集资协助人，由处置非法集资牵头部门给予警告，处违法所得1倍以上3倍以下的罚款；构成犯罪的，依法追究刑事责任。
For an illegal fundraising assistant, the department responsible for handling illegal fundraising shall give a warning and impose a fine of not less than one time and not more than three times the illegal gains; if a crime is constituted, criminal liability shall be pursued according to law.
非法集资人、非法集资协助人不能同时履行所承担的清退集资资金和缴纳罚款义务时，先清退集资资金。
When an illegal fundraising entity or illegal fundraising assistant cannot simultaneously fulfill the obligations of refunding the raised funds and paying the fine, the refund of the raised funds shall take precedence.
对依照本条例受到行政处罚的非法集资人、非法集资协助人，由有关部门建立信用记录，按照规定将其信用记录纳入全国信用信息共享平台。
For illegal fundraising entities and illegal fundraising assistants that have been subject to administrative penalties under these Regulations, the relevant departments shall establish credit records and incorporate their credit records into the national credit information sharing platform in accordance with regulations.
互联网信息服务提供者未履行对涉嫌非法集资信息的防范和处置义务的，由有关主管部门责令改正，给予警告，没收违法所得；拒不改正或者情节严重的，处10万元以上50万元以下的罚款，并可以根据情节轻重责令暂停相关业务、停业整顿、关闭网站、吊销相关业务许可证或者吊销营业执照，对直接负责的主管人员和其他直接责任人员处1万元以上10万元以下的罚款。
If an internet information service provider fails to fulfill its obligations to prevent and handle suspected illegal fundraising information, the relevant competent department shall order correction, give a warning, and confiscate illegal gains; if it refuses to correct or the circumstances are serious, a fine of not less than 100,000 yuan and not more than 500,000 yuan shall be imposed, and depending on the severity of the circumstances, it may be ordered to suspend relevant business, suspend operations for rectification, close the website, revoke the relevant business permit, or revoke the business license; a fine of not less than 10,000 yuan and not more than 100,000 yuan shall be imposed on the directly responsible supervisor and other directly responsible personnel.
广告经营者、广告发布者未按照规定查验相关证明文件、核对广告内容的，由市场监督管理部门责令改正，并依照《中华人民共和国广告法》的规定予以处罚。
If an advertising operator or advertising publisher fails to verify relevant supporting documents or check advertising content as required, the market supervision and management department shall order correction and impose penalties in accordance with the Advertising Law of the People's Republic of China.
金融机构、非银行支付机构未履行防范非法集资义务的，由国务院金融管理部门或者其分支机构、派出机构按照职责分工责令改正，给予警告，没收违法所得；造成严重后果的，处100万元以上500万元以下的罚款，对直接负责的主管人员和其他直接责任人员给予警告，处10万元以上50万元以下的罚款。
If a financial institution or non-bank payment institution fails to fulfill its obligations to prevent illegal fundraising, the financial regulatory department of the State Council or its branches or dispatched agencies shall, according to their respective responsibilities, order correction, give a warning, and confiscate illegal gains; if serious consequences are caused, a fine of not less than 1 million yuan and not more than 5 million yuan shall be imposed, and a warning shall be given to the directly responsible supervisor and other directly responsible personnel, and a fine of not less than 100,000 yuan and not more than 500,000 yuan shall be imposed.
与被调查事件有关的单位和个人不配合调查，拒绝提供相关文件、资料、电子数据等或者提供虚假文件、资料、电子数据等的，由处置非法集资牵头部门责令改正，给予警告，处5万元以上50万元以下的罚款。
If a unit or individual related to the investigated incident fails to cooperate with the investigation, refuses to provide relevant documents, materials, electronic data, etc., or provides false documents, materials, electronic data, etc., the department responsible for handling illegal fundraising shall order correction, give a warning, and impose a fine of not less than 50,000 yuan and not more than 500,000 yuan.
阻碍调查人员依法执行职务，构成违反治安管理行为的，由公安机关依法给予治安管理处罚；构成犯罪的，依法追究刑事责任。
If an act obstructs investigators from lawfully performing their duties and constitutes a violation of public security administration, the public security organ shall impose public security administration penalties according to law; if a crime is constituted, criminal liability shall be pursued according to law.
国家机关工作人员有下列行为之一的，依法给予处分：
If a state organ staff member commits any of the following acts, disciplinary action shall be taken according to law:
（一）明知所主管、监管的单位有涉嫌非法集资行为，未依法及时处理；
(1) Knowing that the unit under their supervision or management is suspected of illegal fundraising but failing to handle it in a timely manner according to law;
（二）未按照规定及时履行对非法集资的防范职责，或者不配合非法集资处置，造成严重后果；
(2) Failing to fulfill the duty of preventing illegal fundraising in a timely manner according to regulations, or failing to cooperate with the handling of illegal fundraising, resulting in serious consequences;
（三）在防范和处置非法集资过程中滥用职权、玩忽职守、徇私舞弊；
(3) Abusing power, neglecting duty, or engaging in malpractice for personal gain during the prevention and handling of illegal fundraising;
（四）通过职务行为或者利用职务影响，支持、包庇、纵容非法集资。
(4) Supporting, shielding, or condoning illegal fundraising through official acts or using official influence.
前款规定的行为构成犯罪的，依法追究刑事责任。
If the acts specified in the preceding paragraph constitute a crime, criminal liability shall be pursued according to law.
附 则
Supplementary Provisions
各省、自治区、直辖市可以根据本条例制定防范和处置非法集资工作实施细则。
All provinces, autonomous regions, and municipalities directly under the Central Government may formulate detailed rules for the implementation of the prevention and handling of illegal fundraising work in accordance with these Regulations.
未经依法许可或者违反国家金融管理规定，擅自从事发放贷款、支付结算、票据贴现等金融业务活动的，由国务院金融管理部门或者地方金融管理部门按照监督管理职责分工进行处置。
If anyone, without lawful permission or in violation of national financial management regulations, engages in financial business activities such as granting loans, payment settlement, or bill discounting without authorization, the financial regulatory department of the State Council or the local financial regulatory department shall handle it according to their respective supervision and management responsibilities.
法律、行政法规对其他非法金融业务活动的防范和处置没有明确规定的，参照本条例的有关规定执行。其他非法金融业务活动的具体类型由国务院金融管理部门确定。
If laws or administrative regulations do not clearly provide for the prevention and handling of other illegal financial business activities, the relevant provisions of these Regulations shall apply mutatis mutandis. The specific types of other illegal financial business activities shall be determined by the financial regulatory department of the State Council.
本条例自2021年5月1日起施行。1998年7月13日国务院发布的《非法金融机构和非法金融业务活动取缔办法》同时废止。
These Regulations shall come into effect on May 1, 2021. The Measures for the Banning of Illegal Financial Institutions and Illegal Financial Business Activities promulgated by the State Council on July 13, 1998 shall be simultaneously abolished.