互联网金融是指依托互联网进行的金融活动。作为近年来新兴的金融模式，理论界对互联网金融的认识还不够完善，而它在实践中存在着许多问题，我国相关的法律法规也比较薄弱。因此，对于以余额宝为代表的互联网金融进行法律规制是我国亟待解决的问题。在理论方面，关于互联网金融的研究，尤其是其法律规制方面还是相对崭新的领域，本文以余额宝为入手点进行相关的分析探讨，以此作为互联网金融法律研究的突破口。通过对互联网金融风险问题和法律现状的分析，以及对美国相关法律制度的考察借鉴，提出适合我国国情的法律规制的基本原则和具体规则，增强金融市场的稳定性，保护广大投资者的利益，促进未来相关的互联网金融产品的进一步创新与发展。

The definition of Internet finance is the financial activities depending on the Internet. As it is a kind of emerging financial modes in recent years, it is not understood very well in theory and has led to many problems in real world. Also, corresponding laws and regulations in China are not sufficient and well-organized. Thus, regulating the Internet finance has been a problem needed to be solved in China. In this article, I would introduce the typical product Yuebao first, which could be considered as the beginning of the study of the Internet finance theoretically. Then I would analyze the risk of Internet finance and the current situation of correlative legal system in China, and learn the experiences of the United States. Finally, I would put forward some principles and regulations on the Internet finance suited for China’s situation, which would be helpful to keep stability of the financial market, protect the rights and interests of the numerous investors and promote the innovation and development of the Internet finance.