民间金融纠纷解决机制探索

The Dispute Resolve System of Rural Inform Finance in Transiting Society

民间金融的筹措对象从亲属圈、熟人圈扩展到陌生人圈,民间金融纠纷由民事刑事案件演变为群体事件。在熟人之间的融资活动中,其固有的信用机制是有效的;而在面向公众的大规模融资情形中,固有的信用机制失效。在合理性与非法性相冲突的情况下,民间金融活动一般躲避官方的评判,在特殊情形下当事人又要求助于正式制度,并力图将官方拖入其中。政府需要从各方面进行综合权衡,选择性执法,避免间接损害。有效的纠纷解决机制包括信号、区分、隔离、预警、分担、惩罚和协调的综合机制。

The people to raise capital should change from relative circle and friend circle to the general public in the transiting society.And the dispute of inform finance should change from civil and criminal to groups affairs.The instinctive credit system is available in the inform finance in rural society,which should be unavailable in the inform finance among the general public.Under the circumstance of conflicting between the rationality and the legality,the party of inform finance should avoid official judging,while the party should resort to and try to involve the official under special circumstance.Local government should weight all essentials and avoid indirect damage by selective law-enforcement.The dispute resolve system of inform finance in transiting society should be a comprehensive system which include singling,distinguishing,departing,foretelling,locating and criminal liability.