随着数字化技术的迅速发展以及互联网技术不断的普及,新媒体也称为TMT时代已经到来,人们凭借PC端口以及智能手机终端可以享受大量丰富的信息服务。金融作为经济发展中不可缺少的纽带环节一直都发挥着自身至关重要的作用。在新媒体的时代背景下,网络金融在新的舞台上扮演着重要的角色。本文主要结合TMT时代的特点,深入探究网络金融在该时代背景下所面临的机遇和挑战以及未来稳步发展的建设性策略。 With the rapid development of digital technology and the continuous popularization of Internet technology, the new media, also known as the TMT era, has come and people can enjoy a wealth of information services with PC ports and smart phone terminals. As an indispensable link in economic development, finance has always played a vital role. In the new media era, online finance plays an important role in the new stage. Based on the characteristics of the TMT era, this article explores in depth the opportunities and challenges that online finance faces in this era and the constructive strategies for its steady growth in the future.