在“互联网+”概念的助推之下,互联网金融的发展势头更为迅猛。尽管平台倒闭、法律风险等问题依然存在,但与草创阶段相比,互联网金融正在悄然发生着一系列变化。传统金融机构、产业资本大举布局互联网金融,互联网金融平台的信用水平得以提升,互联网金融创新也在与产业融合过程中开创了更大的发展空间。与此同时,互联网金融的规范发展取得进展。一方面,随着大数据的广泛应用和征信体系的发展完善,互联网金融平台的风控水平得到了很大提升;另一方面, Under the concept of “Internet + ”, the development of Internet finance is even more rapid. Although the platform collapse, legal risks and other issues still exist, but compared with the grass-roots stage, Internet finance is quietly undergoing a series of changes. Traditional financial institutions, large-scale deployment of industrial capital Internet finance, internet finance platform to enhance the level of credit, Internet finance innovation and industry integration process also opened up a greater space for development. At the same time, the standardization of Internet finance has made progress. On the one hand, with the extensive application of big data and the improvement of the credit reporting system, the level of risk control on the internet financial platform has been greatly enhanced. On the other hand,