互联网金融是互联网与金融的结合,是借助于互联网技术和移动通讯技术实现资金融通、支付和信息中介功能的新兴金融模式。它最主要的影响集中在后台,比如说支付、渠道,没有催生新的金融形态。在互联网技术发展最早、最成熟的美国也不存在互联网金融概念,中国互联网金融形式如网上银行、第三者支付、网络信贷、网络众筹等等在美国早有发展,但是规模都很小,与庞大的传统金融行业简直是微不足道,也从来没有像中国这样尽人皆知、全民关注。我们过去在教科书里都讲过,非金融机构不得从事信贷,不得从事金融,不得从事 Internet finance is a combination of the Internet and finance. It is an emerging financial model that enables the functions of financing, payment and information intermediation by means of Internet technologies and mobile communication technologies. Its main influence concentrated in the background, such as payment, channels, did not spawn a new financial form. The concept of internet finance does not exist in the earliest and most mature United States in the development of Internet technology. China’s Internet financial forms such as online banking, third party payment, online credit, online crowdfunding, etc. have long been developed in the United States but are small in scale. And the huge traditional financial industry is simply insignificant, and never as well known as China, the national attention. We used to say in textbooks that non-financial institutions should not engage in credit, may not engage in finance, shall not engage