近几年来,随着计算机技术以及互联网的迅猛发展,使得计算机与互联网与人们的经济、生活等等结合得越来越紧密,在这种趋势下一种新的金融模式-网络金融孕育而生。然而计算机与互联网的一些根深蒂固的特征决定了这种金融模式不得不去面对一些前所未有的风险,技术缺陷、法律风险、信誉风险等等都是网络金融风险中常见的风险类型,因此构建对网络金融风险进行预防和监督的金融模式势在必行! In recent years, with the rapid development of computer technology and the Internet, computers and the Internet have become more and more closely integrated with people’s economic life and so on. Under this trend, a new financial model - Internet finance gave birth . However, some deep-rooted characteristics of computer and the Internet determine that this financial model has to face some unprecedented risks. Technical defects, legal risks, credit risks and so on are all common risk types in online financial risks. Therefore, Financial risk prevention and supervision of the financial model is imperative!