互联网理财有着其独特的生命力和魅力,监管当局应该出于鼓励和支持创新的角度进行审慎性监管。但近期频繁爆发的一些打着互联网理财旗号的各类非法集资和违法案件,充分说明一些潜在风险已在逐渐显现。针对这些风险特征及问题,必须形成多管齐下的治理框架。2013年“余额宝”的腾空出世,使互联网理财与互联网金融一道成为近年来国内金融业发展的亮点而备受关注。虽然以 Internet banking has its unique vitality and charm, regulatory authorities should be prudent to regulate and encourage innovation from the perspective of regulation. However, the recent cases of illegal fund-raising and illegal activities that hit the banner of Internet banking frequently indicate that some of the potential risks have gradually become apparent. In response to these risk characteristics and issues, a multi-pronged governance framework must be formed. In 2013, after the release of “Balance Bao”, Internet finance and Internet finance have become the highlights of the development of the domestic financial industry in recent years. Though