随着信息技术的快速发展,互联网金融行业成为现阶段发展最迅猛的行业。互联网金融平台的每一次创新都会引来社会广泛的关注,特别是金融理财产品,比如人人贷、众筹、余额宝等新型产品的出现,互联网金融领域已经逐渐成为金融理财和交易的专业平台,但随着市场规模的不断扩大,在给投资者和融资机构带来可观利益的同时,也给相关的金融安全防范体系造成了一定威胁。加之,我国目前对于互联网金融方面的法律监管不健全,常会造成一些监管漏洞,让不 With the rapid development of information technology, the Internet finance industry has become the most rapidly developing industry at this stage. Every innovation in the Internet finance platform will attract widespread social attention. Especially with the advent of new financial products such as universal loans, crowdfunding, balance treasure, etc., the field of Internet finance has become a professional platform for financial management and trading However, with the continuous expansion of the market size, while bringing considerable benefits to investors and financing institutions, it also poses a certain threat to the relevant financial security prevention system. In addition, at present, China’s legal supervision over the Internet finance is not perfect and often causes some regulatory loopholes so that