经济新常态下,“互联网+”的金融已经焕发出新的活力。互联网金融几乎覆盖了整个生产生活、金融产业。但是,在整个互联网金融发展的过程中,“互联网+生活”(消费金融)、“互联网+生产”(产业金融)、“互联网+开放”(普惠金融)、“互联网+移动”(移动金融)的规模和容量还很小,同时还潜在着很多风险。一如《透视互联网金融》一书中所言,“互联网金融是互联网与金融业融合的产 Under the new economic normal, the finance of ”Internet +“ has already given birth to new vitality. Internet finance covers almost the entire production and life, the financial industry. However, in the process of Internet finance development, ”Internet + Life“ (Consumer Finance), ”Internet + Production“ (Industrial Finance), ”Internet + Openness“ Internet + Mobile ”(mobile finance) is still small in size and capacity, and potentially carries a lot of risks. As stated in the book “Perspectives on Internet Finance”, "Internet finance is the integration of the Internet with the financial industry