互联网金融软法治理的思考

Consideration on Regulating Internet Finance by Soft Law

互联网金融是中国近几年出现的一个新领域,其尚在不断的分化组合与发展过程中,因此,暂时不宜由国家直接立法对之实行规制,以控制其间产生的风险和对社会造成的负面冲击。一种可行思路是引导互联网金融企业形成产品的规则、企业的规则标准流程,并提炼出来形成行业标准,最后形成有关社会组织的公约和准则,在这一软法治理的基础上,监管层对软法进行调研,将其转化成为法律。

Internet finance is a new area in recent years in China. It is still in the process of constant combination of differentiation and development. Therefore, it＇s not appropriate to regulate the internet finance directly by the national legislation to control the risk of the meantime produced and the negative impact to the society. A feasible approach is to guide the Internet financial enterprises to form product rules, the rules of the enterprise standard processes, and derived from the industry standard, finally form our social convention of the organization. On this basis, the regulators should do research on the soft law and convert it into law.