移动终端设备的发展、网络覆盖面的扩大和网络速度的提升,让互联网金融呈现出爆炸式的发展。但互联网金融作为新生事物,其监管存在的问题却日益凸显。文章认为互联网金融的发展创新应该是在法律框架下的创新,无论是监管主体、监管对象还是参与金融活动的消费者,都要根据互联网金融监管的特性,制定有效的监管策略。 The development of mobile terminal equipment, the expansion of network coverage and the improvement of network speed have made Internet finance an explosive development. However, Internet finance as a new thing, its regulatory problems have become increasingly prominent. The article thinks that the development and innovation of Internet finance should be innovation under the legal framework. Whether supervising subject, supervising object or consumers participating in financial activities, we must formulate effective supervisory strategies according to the characteristics of Internet financial regulation.