互联网条件下,金融投资、理财、消费模式都在不断延伸。同时,演化出多元化的互联网金融模式,这些金融模式的出现,为居民理财、消费、投资提供了更加便利的条件。然而,在其发展过程中,风险监管存在较大隐患,为人们带来巨额的财产损失。因此,从监管部门及居民等群体出发,健全监管体系,提高维护自身权益的意识,成为完善互联网金融模式的必要途径。 Under the conditions of the Internet, financial investment, wealth management, consumption patterns are constantly extending. At the same time, a diversified internet finance model has evolved. The advent of these financial models has provided more convenient conditions for residents’ wealth management, consumption and investment. However, in the process of its development, risk regulation has great hidden dangers and brings huge loss of property to people. Therefore, from the perspectives of regulators and residents and other groups, it is necessary to improve the regulatory system and raise awareness of safeguarding its own rights and interests, which are necessary ways to improve the Internet financial model.