近年来,互联网金融成为市场新热点,信息技术将无数看似不可能的事变成了现实,改变了金融的使命和功能的实现方式。但互联网金融并没有改变金融的使命和功能,金融的使命仍是服务实体经济及为客户创造价值,核心功能仍是资源配置、支付清算、风险管理、价值发现等。因此,与其说信息技术对传统金融是一种颠覆,倒不如说是一种融合与创新,即通过互联网与金融的融合,促进金融业经营理念、商业模式、运营模式的改革和提升,使金融行业跨入“金融无处不在”的新时代。 In recent years, Internet finance has become a new hot spot in the market. Information technology has innumerable seemingly impossible things have become reality, changing the ways in which financial missions and functions are realized. However, Internet finance has not changed the mission and function of finance. The mission of finance is to serve the real economy and create value for customers. The core functions are still resource allocation, payment and settlement, risk management and value discovery. Therefore, the information technology is not so much a kind of subversion as conventional finance, but rather a kind of integration and innovation. That is, through the integration of the Internet and finance, the promotion and reform of the financial business philosophy, business model and business model are not the same. Industry into the “financial everywhere” new era.