The advantage of civil recourse is that the plaintiff can grasp the progress of the case in a certain sense. As the plaintiff, the injured investor has to pay the legal fees when he files a lawsuit in the civil court of the court where the website is opened. The plaintiff shall provide a copy of the defendant's ID card and his real address. The disadvantages are high cost and low efficiency. Generally speaking, in criminal cases, according to the rule of "punishment before people", the civil court will suspend the trial first and wait until the criminal case is over.
Business negotiation has the advantages of privacy and high possibility of payment. In the early stage of the website's delay in paying back the money, the injured investor immediately started business negotiations and made solemn representations with the other party, demanding repayment as soon as possible. The disadvantage is that the timing is not accurate and fleeting. At the beginning of the website accident, most people hoped to make peace. At this time, seize the opportunity to negotiate with them, and the possibility of payment is very high.
The advantage of administrative litigation is to solve the problem of government inaction. The disadvantage is that such lawsuits are difficult to file and the chances of winning are very small.