产业融合是数字时代产业发展的一大趋势,随着互联网技术的广泛应用,引发了互联网行业和金融业的融合,形成了互联网金融。文章主要从理论框架入手,介绍了互联网金融的产生、现状和类型,并分析发展的原因以及对宏观经济的影响。一、互联网金融的产生及现状互联网金融起源于早期的金融机构通过互联网来改变自身的业务模式和业务内容,即最初的金融机构业务的互联网化。由于互联网经济的发展以及金融业务需求的广泛性,导致金融机构提供的服务远不能满足 Industry convergence is a major trend in the development of the industry in the digital age. With the widespread application of Internet technologies, the Internet industry and the financial industry have been brought together to form the Internet finance. The article starts with the theoretical framework, introduces the emergence, status quo and types of Internet finance, and analyzes the reasons for the development and the impact on the macroeconomy. First, the emergence and status of Internet finance Internet finance originated in the early financial institutions through the Internet to change their business models and business content, that is, the initial Internet banking business. Due to the development of Internet economy and the extensive demand of financial services, the services provided by financial institutions are far from satisfying