互联网金融是传统金融行业与互联网精神相结合的新兴领域。2013年,以“余额宝”为代表的互联网金融产品,已然成为金融市场当中一股不可忽视的力量,并迅速成为都市年轻人习以为常的支付方式和理财习惯。然而,发展速度过快的互联网金融由于其本身的安全隐患和不稳定性也暴露出产品的风险和问题,本文将从法律角度分析互联网金融的风险,旨在为避免风险提供一些法律建议。 Internet finance is an emerging field that combines the traditional financial industry with the Internet. In 2013, Internet financial products represented by “Yu Bao Bao” have become an indispensable force in the financial market and have quickly become the common payment methods and financial habits of urban young people. However, due to its own security risks and instability, Internet finance, which develops too fast, also exposes the risks and problems of products. This article will analyze the risks of Internet finance from the legal point of view, and provide some legal suggestions to avoid the risks.