近年来,中国互联网金融发展迅速,出现了不少形式和技术上的创新,填补了传统金融服务的空白点和薄弱环节,但这并不是针对金融本质的革命。本文通过对中国互联网金融发展特殊性的分析,指出应客观看待当前取得的发展成绩,并提出了完善金融监管的总体建议,即遵循线上线下一致的基本原则,建立审慎监管和行为监管两大支柱,构筑机构自身风险管理、市场纪律约束和监管机构防范系统性风险的三道防线。 In recent years, the rapid development of Internet finance in China has led to many forms and technological innovations that have filled in the gaps and weaknesses of traditional financial services, but this is not a revolution aimed at the nature of finance. Based on the analysis of the particularity of internet finance development in China, this paper points out that we should objectively view the current achievements and put forward the overall proposal of perfecting financial supervision. That is to say, follow the basic principles of online and offline consistency, and establish the two systems of prudential supervision and behavior supervision Pillar to build the organization’s own risk management, market discipline and regulatory agencies to prevent systemic risk three lines of defense.