互联网金融具有系统风险、支付风险和借贷风险,而法律监管立法滞后、监管取证困难、现有监管主体混乱,严重影响了我国金融的健康发展。本文认为要以信用为核心重构互联网金融法律体系,以消费者权益为基点确立相对应的责任体系,针对互联网金融犯罪中的欺诈行为提出防范建议和惩罚措施。 Internet finance has systemic risk, payment risk and loan risk. However, the legal supervision legislation lags behind, regulatory supervision is difficult and the existing supervisory body is in chaos, seriously affecting the healthy development of China’s finance. This paper believes that it is necessary to reconstruct the Internet financial legal system with credit as the core and establish the corresponding responsibility system based on the rights and interests of consumers, and put forward preventive measures and punitive measures against the fraud in internet financial crime.