近年来,互联网票据理财在我国迅速发展,但其同时蕴藏着较大的风险,并已出现了兑付风险事件。本文介绍了当前互联网票据理财的主要业务模式,分析了互联网票据理财的法律性质,在此基础上结合相关业务实践,提示了互联网票据理财业务所存在的法律风险,并有针对性地提出了相关风险的防范建议。最后,本文还提出了完善互联网票据理财的相关立法和监管建议。 In recent years, internet bill financing has developed rapidly in our country, but at the same time, it poses a great risk and there has been a case of paying the risk. This article introduces the current business model of Internet bill financing, analyzes the legal nature of Internet bill financing, and on this basis, combined with relevant business practices, prompted the legal risks of Internet bill financing business, and put forward the relevant Risk prevention advice. Finally, this article also puts forward some suggestions to improve the legislation and regulation of internet bill financing.