互联网金融的法律风险防范研究

Research on Legal Risk Prevention of Internet Finance

互联网金融在我国发展十分迅速,但是传统的金融法律法规与现代互联网金融模式已不相适应,从而出现互联网金融法律法规的监管缺位以及互联网金融消费者权益受到侵害、救济渠道不畅等问题,加强互联网金融的法律防范工作势在必行。然而做好互联网金融的法律风险防范工作,不仅应着力于完善现行金融法律法规之不足,还应借鉴欧美国家立法监管的实践经验,才能有效完善我国相关金融法律法规,切实保护好互联网金融消费者的合法权益。

The internet finance develops quickly in our country, but the traditional financial law and modern internet financial model does not adapt, which results in a number of problems, such as the lack of legal supervision of internet finance, the violation of internet financial consumers＇ rights and interests, the sluggishness of relief channels so on. It is imperative to strengthen the legal risk prevention of Internet finance. However, to carry out the legal risk prevention of internet finance well, it is not only supposed to be based on the deficiencies of the current financial laws and regulations, but also should draw lessons from the practical experience of European and American countries＇ legislation regulation. Only in this way can China effectively improve its relevant financial laws and regulations and protect the legitimate rights and interests of internet financial consumers as well.