我国《刑法》第176条将“吸收公众存款或变相吸收公众存款”纳入犯罪行为，这种将非正规金融活动入罪化的立法政策值得反思。将吸收公众存款行为入罪化，有悖于现代刑法所奉行的谦抑性原则，有悖于保护公众投资者利益的原则，也是有悖于发展社会主义市场经济之需要。概而言之，“非法吸收公众存款罪”应该去罪化，这是建立公正、合理之经济秩序的必然要求，也是迈向金融业平等的前提和基础。

According to the Article 176 of the Criminal Law, the informal financial practice of "taking public-savings" is criminal. This legislation is worthy of discussion. It is against the restrictive principle of modern criminal law, the principle of protecting the interests of public investors, and the need to develop socialist market economy. To sum up, the de-criminalization of the crime of illegal taking public-savings is essential for the establishment of a fair, reasonable economic order and the equality in the financial industry.