互联网票据理财平台自2013年以来发展迅猛,一直被视为P2P领域最为安全的选择,但其风险也在逐渐显现,应引起足够重视。风险之一:法律制度缺失。一是法律缺位。现行《票据法》和《支付结算办法》等法律制度更多倾向票据的支付结算功能管理,对票据的融资和投资功能涉及较少。二是监管制度不规范。现行监管制度对互联网票据理财相关风险控制指标没有具体规 Internet bill financing platform has been developing rapidly since 2013 and has been regarded as the safest choice in the field of P2P. However, its risks are gradually emerging and should be given enough attention. One of the risks: the legal system is missing. First, the law is absent. The current “bills” and “payment and settlement” and other legal systems tend to pay more settlement management functions of bills, notes and financing less involved in the investment function. Second, the regulatory system is not standardized. The current regulatory regime does not have any specific rules on the risk control indicators related to Internet bill financing