目前,互联网金融进一步发展,陆续出现了互联网基金、第三方支付等新型金融产品,这给以往的消费理念以及支付模式带来影响。文章站在支付结算的角度,阐述了互联网的发展历程,深入分析互联网金融的出现对金融监管、传统金融以及中央银行所造成的影响,并且针对互联网金融的完善提出了有效的建议。 At present, the further development of Internet finance has gradually brought about new financial products such as Internet funds and third-party payment, which have affected the previous consumption concepts and payment modes. From the perspective of payment and settlement, the article elaborates the development of Internet, analyzes the impact of Internet finance on financial regulation, traditional finance and central bank, and puts forward effective suggestions for the improvement of Internet finance.