2013年被誉为互联网金融元年,来势汹汹,成为各家媒体和机构热议的话题。且在2014年热议仍在继续,甚至有人称互联网金融将颠覆传统金融行业。对于互联网金融,不同观点有不同的定位和说法,我个人认为,它只是改变了金融产品的包装、设计、募集手段及运营的平台,并没有改变金融属性。无论是余额宝,还是其它一些融资产品 2013 was hailed as the first year of Internet finance, menacing, as various media and agencies hot topic. And the 2014 hot debate continues, some even claim that Internet finance will overturn the traditional financial sector. Different views and opinions on Internet finance have different opinions. I personally think that it has only changed the platform of packaging, designing, raising means and operation of financial products and has not changed the financial attributes. Either balance treasure, or some other financing products