互联网金融正在拓展,受到广泛重视。这种现象根源,是网络金融紧密关联着多样部门、金融类的机构、各类网络企业。互联网架构下的新式金融,变更了多层级的平日生活,变更日常习惯、惯用的商业模式。对于法律适用,应侧重探析它的特性及内涵。对比传统金融,互联网特有的新式金融关涉的范畴更广,总量也会更大。为此,有必要接纳包容心态,确认开放理念。在这种根基上,探析最为适宜的规制模式。 Internet finance is expanding and receiving wide attention. The root of this phenomenon is that network finance is closely linked with various departments and financial institutions and various network enterprises. New finance under the Internet architecture has changed multi-level daily life, changing everyday habits and familiar business models. For the application of law, we should focus on exploring its characteristics and connotation. Compared to traditional finance, the Internet-specific new-type finance involves a broader scope and a larger total amount. For this reason, it is necessary to accept the inclusive attitude and confirm the concept of opening up. On this basis, the most appropriate mode of regulation is explored.