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如何区分合法的民间借贷和非法吸收公众存款行为

2025-03-30 02:02:31

推荐回答（1个）

回答1：

公民与非金融企业之间的借贷属于民间借贷，只要双方当事人意思表示真实即可有效。
非法吸收公众存款，尽管也表现为一定民间借贷的特征，但因为其借贷的范围具有不特定的公众性且扰乱了国家金融秩序，所以具有民间借贷不会造成的严重社会危害性，这是两者的根本区别。

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