当务之急是加强立法,从法律层面界定互联网金融的相关问题,规范市场主体行为,明确权益保护模式、纠纷解决机制、维权途径,惩治侵权违约、违法犯罪行为。当前互联网金融消费者权益面临的风险主要表现为资金安全难维护、个人隐私难保障、知情权难保证、公平交易权保护难、技术保障难突破、维权难度大。亟须从法律、监管、平台自我约束、消费者自我 It is imperative to step up legislation, define issues related to Internet finance from the legal perspective, standardize the behavior of market players, clarify the mode of rights and interests protection, the mechanism of dispute resolution, the ways of safeguarding rights, and punish violations of infringement and violations of laws and criminal acts. At present, the risks faced by consumers of Internet finance are mainly manifested in the difficulty of safeguarding funds, protecting personal privacy, guaranteeing right to know, difficulty in protecting fair trading rights, difficulty in breaking technical support and difficulty in safeguarding rights. Urgent need from the legal, regulatory, self-restraint platform, consumer self