Judging whether it is illegal fund-raising depends on whether the act of absorbing funds from the public (including units and individuals) meets the following four conditions at the same time. Unless otherwise stipulated in the Criminal Law, it shall be deemed as "illegally absorbing public deposits or absorbing public deposits in disguised form" as stipulated in Article 176 of the Criminal Law:

(a) without the approval of the relevant departments according to law or in the form of borrowing legal business to absorb funds;

(two) through the media, promotion meetings, leaflets, mobile phone messages and other means to promote to the society;

(3) Commitment to repay the principal and interest or pay the return in the form of currency, material object or equity. In a certain period of time;

(four) to absorb funds from the public, that is, the social unspecified objects.

It is not illegal or disguised to absorb public deposits by absorbing funds from relatives, friends or units for specific targets without publicity to the society.