浙江工商大学学报

在司法解释单项推定模式基础上，人民法院入库案例采取要素组合的方式，情境化地细化了金融诈骗罪非法占有目的的裁判规则。总结而言，这些要素主要是集资宣传、集资款去向以及资金归还能力，个案当中的要素组合方式又各不相同。学理上需要立足于对裁判规律的总结，构筑一种分步式认定的模式。是否存在真实的生产经营以及是否将所集资金用于生产经营，是判断非法占有目的的基本要素。应当在此基础上判断集资人的还款能力，最后判断其归还意愿。非法占有目的是一种积极追求的故意，不应包括放任的故意，是一种规范性而非事实性认定。对帮助他人非法集资者的共同非法占有目的的认定，需要重点审查其所处角色、认知能力和认知程度。

Regarding the determination of the purpose of illegal possession in the crime of fundraising fraud,and building upon the single-item presumption model in judicial interpretations,the cases recorded in the People's Court database adopt a combination of elements to contextually refine the judgment rules.These elements can be summarized as fundraising promotion,the use of raised funds,and the ability to repay.However,the specific combination of these elements varies from case to case.Theoretically,it is necessary to construct a step-by-step determination model based on a synthesis of the judgment patterns.Whether there is genuine production or business operation,and whether the raised funds are used for such production or operation,constitute the most fundamental elements for determining the purpose of illegal possession.On this basis,the fundraisers' ability to repay should be assessed,followed by an evaluation of their willingness to repay.The purpose of illegal possession requires a deliberate and active pursuit of the unlawful aim;it should not include the mental state of dolus eventualis(reckless indifference).It is a normative determination rather than a purely factual one.Regarding the determination of a shared purpose of illegal possession among those who assist others in illegal fundraising,the focus should be on examining their role,cognitive capacity,and degree of awareness.