当前,由非法集资活动引发的社会矛盾冲突呈高发态势,已从普通经济问题转化为新型社会问题。但无论从政府治理还是学界研究来看,常视之为一般的经济矛盾纠纷,而忽略了其发生学意义上特有的生成机制与特征,无法对之整体进行有效治理。随着互联网金融的发展,非法集资花样不断翻新,政府参与角色发生变化,非法集资类矛盾在形成过程、发生机制、波及范围、发展态势、诉求对象、诉求方式等方面,亦呈现出明显不同于征地拆迁、劳资纠纷、环境冲突等新的矛盾特征,亟待从整体结构视角重新审视,深层次地剖析其中的结构性、制度性根源。各级地方政府应对非法集资类社会矛盾,需要从更高层面上加快完善治理机制与制度建设,运用大数据分析与资本市场交易两种工具,实现治理组织模式与治理思维两个转型,完善监督组织与行业规范两个制度体系,推进强制性与诱致性两种制度变迁。 At present, the clash of social conflicts triggered by illegal fund-raising activities has shown a high tendency and has shifted from the general economic issue to a new-type social issue. However, no matter from the governance of government or academic research, it is often regarded as a general dispute over economic contradictions, while ignoring the generative mechanism and characteristics peculiar to its occurrence, which makes it impossible to effectively manage the whole. With the development of Internet finance, illegal fund-raising patterns have been constantly refurbished, the role of government participation has changed, and the contradictions of illegal fund-raising have also shown significant differences from the formation process, the mechanism, the scope, the development trend, the appeals and the appealing ways. The new contradictions, such as land acquisition and demolition, labor disputes and environmental conflicts, urgently need to be reexamined from the perspective of overall structure and deeply analyzed the structural and institutional roots. Local governments at all levels should speed up the improvement of governance mechanisms and systems at a higher level and use two tools of big data analysis and capital market transactions to deal with the social conflicts in the illegal fund-raising class, so as to realize the two transformations of governance and organizational models and governance thinking and improve supervision Organization and industry standardize the two systems, promote mandatory and induced two institutional changes.