论互联网金融理财法律风险的规范

Legal Risk Regulation of Internet Financial Management

互联网金融依托着计算机技术的迅猛发展而蓬勃发展,余额宝等"第三方支付加基金类"的产品不断涌现,带来了全新的用户体验。但是,由于相关法律法规的不健全,这一领域已经显露出互联网金融理财机构法律定位不明、信息披露执行难度增大以及金融消费者权益保障不充分等问题,阻碍了互联网金融理财的可持续发展。通过对中美互联网金融理财的法律法规和监管体系的比较分析,应当构建以金融消费者权益为中心的法律监管体系。

Internet finance is booming based on the rapid development of computer technology.The products of"third party payment plus Fund Class"such as Yu E Bao have springing up,bringing new user experience.However,due to the lag and lack of relevant laws,this field has revealed is unknown,the Internet financial institutions legal information disclosure and investors and increase the difficulty of implementation of financial consumer protection is inadequate and other issues,has seriously hindered the sustainable development of the Internet financial.Through the comparative analysis of the laws,regulations and regulatory system of the financial and financial management of the Chinese and American Internet,the legal supervision system centered on the rights and interests of the financial consumers should be constructed.