2014年两会期间，以余额宝为代表的互联网金融理财产品的迅速发展成为人们关注和热议的对象，加强我国互联网金融法律监管的呼声也越来越高。要实现这一目标，必须综合分析余额宝营运主体的法律关系，明确我国法律监管现状与规制主体的法律职责，并建设由监管机关、第三方支付机构、基金管理人、基金财产保管银行等为主体的“多位一体”监管体系。%During the NPC and CPPCC in 2014,the rapid development of Internet financial products ,with Yu’e Bao as the representative ,have become the object of attention and hot debate ,and there is an increasing call for strength-ening the legal supervision in China ’ s Internet finance .To achieve this goal ,we should make a comprehensive anal-ysis on the legal relationship of the operation part of Yu ’ e Bao fund ,clearly state the status quo of the legal supervi-sion in China as well as the legal responsibilities of regulatory body ,and establish an “all-in-one” supervision system with the main part consisting of regulatory authorities ,the third party payment platform ,fund managers and fund assets preservation banks .
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