如今互联网金融领域正在兴起，互联网金融对传统金融业造成了冲击，也对现行金融监管制度提出了更高要求。其中互联网基金产品作为互联网金融的重要组成部分，近些年来发展迅速，其中以阿里巴巴集团旗下电子商务支付平台支付宝与天弘基金管理有限公司合作推出的“余额宝”规模最大、发展最快、最具代表性。互联网基金产品作为一个新生事物，相关的法律法规尚未成型，各方面的风险防范还不尽完善，存在着一些如当事人法律关系不明确、信息披露不足等法律隐患，一旦风险演化为危机，影响的是广大普通投资者的切身利益，进而危及互联网金融的秩序安全，所以对互联网基金产品的风险防范进行深入研究具备一定的现实意义。本文选择余额宝作为互联网基金产品的代表，对其法律风险进行分析，遵循理论联系实际，由问题及主义的思路，分三章研究互联网基金产品的法律风险防范问题。第一章具体阐述了互联网基金产品存在的问题，主要有合同内容及法律关系不明确、对投资人保护欠缺、风险提示不足和监管漏洞四大问题；第二章深入分析了以上问题出现的原因；第三章从理论和实际出发，提出了解决上述问题的法律风险防范建议。本文通过对互联网基金产品法律风险的探讨和分析，重点分析其法律风险存在的原因并提出建议，以期对互联网金融领域的立法建设和相关制度完善做出些许贡献。

The Today, the Internet financial sector has been on the rise. Not only did the Internet financial cause shock to traditional financial industry, but also put forward higher requirements on current financial regulatory system. As an important part of the Internet financial, the Internet fund products have developed rapidly in recent years. One of the largest, fastest growing and most representative is Yu Ebao that launched by Alibaba Group's e-commerce payment platform Alipay and Tianhong Fund Management Co., Ltd. Besides, as a new phenomenon, the relevant laws and regulations of the Internet fund products has not been formed and all aspects of risk prevention is not perfect. There are some legal problems, such as the unclear legal relationship and inadequate information disclosure etc. Once the risk evolves into the crisis, not only affect the vital interests of ordinary investors, but also endanger the order of the Internet financial security. Therefore, study on legal risk prevention of Internet fund products has a certain practical significance. This paper takes Yu Ebao as the representative of Internet fund products, and analyzes its legal risk. Followed by the theory with practice, by the problems and the train of thought, this paper divided into three chapters to study the legal risk prevention of Internet fund products. The first chapter elaborates on the problems of Internet fund products, mainly in the contract and the legal relationship is not clear, the lack of investor protection, inadequate risk disclosure and regulatory loopholes in the four issues and regulatory loopholes. The second chapter analyzes the reasons of the above problems. The third chapter embarks from the theory and practice, and puts forward the legal risk prevention suggestions to solve these problems. Based on the Internet fund products discussion and analysis of legal risk, this article focuses on the reasons of the existence of the legal risks and put forward suggestions, in order to make a little contribution to legislative building and related systems of the Internet financial sector.