近年来,随着互联网金融的迅速发展,其具有的全面性、便捷化、亲民化的特性,给传统金融领域带来了较大的冲击。但是,互联网金融运行中潜在的风险问题,也对现行金融监管制度和立法制度提出了更高要求,凸显了我国目前对互联网金融在立法和监管层面的缺失。为了保护投资者权益、维护市场秩序,我国应针对互联网金融的特点及风险特性,尽快构建适合互联网金融的法制环境。 In recent years, with the rapid development of internet finance, its characteristics of comprehensiveness, convenience and personalization have brought a great impact on the traditional financial field. However, the potential risks in the operation of Internet finance also put forward higher requirements on the current financial regulatory system and legislative system, highlighting the current lack of legislative and regulatory aspects of Internet finance in our country. In order to protect the rights and interests of investors and safeguard the market order, China should, in light of the characteristics and risk characteristics of Internet finance, construct a legal environment suitable for Internet finance as soon as possible.