互联网金融,已成为当下最炙手可热的话题。互联网金融能否颠覆传统的金融业格局,互联网到底会形成怎样的金融创新。以阿里巴巴为代表的各大电子商务或互联网企业纷纷进军金融业。互联网金融是传统金融行业与互联网特征相结合的新兴领域。本文通过对互联网金融概念,以及大量的市场中已经存在的实际运作案例分析来探讨互联网金融的本质及其未来的发展趋势。 Internet finance has become the hottest topic of the moment. Internet finance can subvert the traditional pattern of the financial sector, the Internet in the end what kind of financial innovation will be formed. Major e-commerce or Internet companies represented by Alibaba have entered the financial industry. Internet finance is an emerging field that combines the traditional financial industry with the Internet. This article explores the nature of Internet finance and its future development trends by analyzing the concept of Internet finance and a large number of existing operational cases in the market.