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当前互联网金融格局,由传统金融机构和非金融机构组成。其核心内涵就是利用互联网技术和信息通信技术,实现包括资金融通、支付、投资和信息中介服务在内的大金融服务。随着互联网发展及其向金融领域的不断渗透,互联网金融在我国的兴起与成长,先后出现并持续演进了传统金融业务网络化、第三方支付、P2P网络借贷、大数据金融、众筹和第三方金融服务平台等六种主要模式。互联网与金融不断走向深度融合,已经成为大势所趋,还将对金融产品、业务、组织和服
The current Internet financial structure, by the traditional financial institutions and non-financial institutions. Its core content is the use of Internet technology and information and communication technology, including financial intermediation, payment, investment and information intermediary services, including large financial services. With the development of the Internet and its continuous infiltration into the financial field, the emergence and growth of Internet finance in our country have successively emerged and continued to evolve into traditional financial business networks, third-party payment, P2P network lending, big data finance, crowdfunding and Three financial services platform and other six main modes. The continuous integration of the Internet and finance has become a trend of the times. It will also have an impact on financial products, business, organization and service