互联网金融最近很火,以后还会更火,在阿里小微、百度理财等一系列互联网金融风暴下,传统金融机构有担忧,也有恐慌。套用马克思《资本论》的那句经典:一个幽灵,互联网幽灵,在传统金融机构上空徘徊。金融互联网,究竟是互联网金融化,还是金融互联网化,这个问题似乎已经不再重要,重要的是,互联网势力,在传统金融机构面前, Internet finance is very hot recently, and will be even harder in the future. The traditional financial institutions are worried and panicked under a series of Internet financial turmoil such as Aliex and Baidu Finance. Apply the classic Marxist “Capitalism” classic: a ghost, ghost of the Internet, wandering in the traditional financial institutions. Financial Internet, whether it is the Internet financialization, or financial Internet, this issue seems to be no longer important, it is important that the Internet forces, in the face of traditional financial institutions,