互联网金融监管应从监管的经济功能、社会功能和安全功能这三方面入手，在金融法律的统一规制中力求达成金融监管部门、金融企业与金融消费者之间的利益平衡。互联网金融监管应沿“三元功能”开辟发展路径，并将效率价值、秩序价值和人权价值作为监管的法理价值基础。%Internet financial regulation should focus on the economic, social and secure functions, achieving an interest balance of financial regulators, companies and consumers with the integrated regulations of financial laws. The “Three-Functions”will be the developmental direction of internet financial regulation. Efficiency, order and human rights should be taken as a basis of legal value for the internet financial regulation.
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