“互联网”以其无影无形、无远弗届、信息传输快捷的特性,深刻地影响了人们的生活和社会的运作。近两年,“互联网金融”概念诞生并逐步流行开来。从狭义来说,“互联网金融”是指互联网企业在未被纳入金融监管的情况下利用互联网做了一些传统的金融业务,或开发了一些原有金融企业没有关注的领域,并因此形成了一批新的金融形态,如第三方支付、P2P网贷融资、 “Internet ” has profoundly influenced the people’s life and the operation of society by virtue of its invisible and intangible, far-reaching and timely transmission of information. In the recent two years, the concept of “Internet finance” has been born and gradually popularized. In a narrow sense, “Internet finance” means that Internet companies have done some traditional financial business using the Internet without being included in financial regulation or have developed some areas that the original financial enterprises did not pay attention to and thus formed A number of new financial forms, such as third-party payment, P2P network loan financing,