互联网理财法律梳理及风险分析

Legal Carding and Risk Analysis of Internet Banking

2013年,余额宝拉开互联网金融序幕,引爆互联网理财概念,然而在我国的实践中,对互联网理财的相关规定散而不全,存在部分法律缺位现象。本研究从我国的互联网理财实践出发,对现行的有关互联网理财法律法规进行类型化梳理,并结合目前我国存在的形式各异的互联网理财,对不同模式存在的法律风险进行分析,对理解互联网理财的相关法律问题提供参考。

Balance of treasure opened the prelude to the internet banking and detonated the concept of Internet Banking in 2013.However,the relevant provisions of internet banking were scattered and not comprehensive,legal deficiencies still exist in the practice of China.The study sorted out the existing laws and regulations on Internet Banking with typological carding.The legal risks of different modes were analyzed and provided the reference to the relevant legal issues of Internet Banking combined with the existing various forms of internet banking in China.