互联网金融的主要形式包括第三方网络支付结算、互联网投资理财、互联网借贷、互联网众筹集资等。对互联网金融的监管应遵循保护金融消费者与中小投资者利益的原则、强制性信息披露原则、防范欺诈与系统性金融风险原则、行业自律原则、建设与优化互联网金融发展环境原则等。为完善互联网金融的立法规制,应清理、修改现行法律中禁止、限制互联网金融发展的规定,抓紧制定规范、管理互联网金融的单行法律、行政法规、部门规章。人民法院应坚持司法能动、为金融改革、金融创新、金融安全提供司法保障,及时研究出台审理互联网金融民事纠纷案件的司法解释,认真解决网络交易举证难,鼓励诉前调解,依法打击互联网金融犯罪。 The main forms of Internet finance include third-party network payment and settlement, Internet investment and financing, Internet loans, Internet crowdfunding and so on. The regulation of Internet finance should follow the principle of protecting the interests of financial consumers and small and medium investors, the principle of compulsory information disclosure, the principle of fraud prevention and systematic financial risk, the principle of industry self-discipline, and the principle of building and optimizing the Internet finance development environment. In order to improve the legislation and regulation of Internet finance, we should clean up and amend the existing laws prohibiting and restricting the development of Internet finance. We must make every effort to formulate specific laws, administrative regulations and departmental rules that govern and regulate Internet finance. People’s courts should insist on judicial initiative, provide judicial guarantee for financial reform, financial innovation and financial security, timely study and introduce judicial interpretations on Internet financial civil disputes, conscientiously solve the difficulty of providing proof of online transactions, encourage mediation before litigation, and crack down on Internet financial crimes in accordance with the law .