中国互联网金融市场行为监管尚处于发展初期,消费者保护应遵循循序渐进、逐步完善的路径。制度设计要从中国的现状出发,充分考虑中国金融消费者非理性行为的特点,对国外经验进行有针对性的取舍,逐渐确立起从监管机构、行业协会到消费者组织的综合性、全方位、具有可操作性与执行力的互联网金融消费者保护机制,弥补单纯机构监管的不足与缺失。 China’s Internet financial market regulation is still in the early stages of development, consumer protection should follow a gradual and gradually improve the path. The system design should proceed from the current situation in China, give full consideration to the characteristics of China’s financial consumers’ irrational behavior, make targeted choices on foreign experiences, and gradually establish a comprehensive and all-round system from regulatory agencies and trade associations to consumer organizations , The Internet financial consumer protection mechanism with operability and execution to make up for the shortcomings and deficiencies of the supervision of purely institutional.