互聯網金融軟法治理的思考

Consideration on Regulating Internet Finance by Soft Law

互聯網金融是中國近幾年出現的一個新領域，其尚在不斷的分化組合與發展過程中，因此，暫時不宜由國家直接立法對之實行規制，以控制其間產生的風險和對社會造成的負面沖擊。一種可行思路是引導互聯網金融企業形成產品的規則、企業的規則標準流程，並提煉出來形成行業標準，最後形成有關社會組織的公約和准則，在這一軟法治理的基礎上，監管層對軟法進行調研，將其轉化成為法律。

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.