The Internet finance as a product of traditional finance spontaneously reform and innovate,there is nothing comparable to this advantage in the traditional finance,but it has the inherent risk in the financial field,also has the new generated risk as the internet advanced technology combining with traditional financial. For this kind of risk,we should adhere to the adjustment order of“non legal norms - administrative law norms - criminal law norms”,to protect the financial innovation as the starting point of supervision. For the“peer-to-peer”net credit platform which dedicated to the credit guarantee,it should introduce third party to host the pool of funds,and not banned in crime of illegal absorbing public deposits altogether. Under the financial innovation,the monopoly protec-tion for the financial management order lost its legitimacy,for the crime of illegal absorbing public deposits explana-tion should be guided by the public property rights and the law.%互联网金融作为传统金融自发改革、创新的产物，具有传统金融无可比拟的优势，但它除了具有金融领域的固有风险，也具有互联网先进技术与传统金融结合而生成的新风险。对于这种风险，应该坚持“非法律规范—行政法规范—刑法规范”的调整位阶，以保护金融创新为监管的出发点。对于致力于信用担保的P2 P网贷平台，应该对其资金池引入第三方托管，不应一概以非法吸收公众存款罪取缔。金融创新背景下，对金融管理秩序的垄断性保护失去了其正当性，对于非法吸收公众存款罪的解释，应该以公众财产权益这一法益为指导。
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