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本文认为集资犯罪具体包括：非法吸收或者变相吸收公众存款的行为，擅自发行股票或者公司、企业债券的行为，欺诈发行股票、债券的行为，以非法占有为目的，使用诈骗手段进行募集资金的行为。同时，对这四种行为的构成特征、犯罪特点作出分析，并在此基础上提出了相应的惩治对策。
This article considers that the crime of fund-raising includes: act of absorbing deposits in public by illegal absorption or in disguise; acts of issuing stocks or companies and corporate bonds without authorization; acts of fraud in issuing shares and bonds; and using illegal means to collect funds for the purpose of illegal possession . At the same time, it analyzes the constitutional characteristics and criminal characteristics of these four kinds of behaviors, and on this basis puts forward corresponding punishing measures.