互联网金融之所以呈现出旺盛的生命力,关键在于互联网金融有两大传统金融所不具备的突出优势:一是成本优势。在互联网的虚拟空间上开展业务,省去了传统银行的庞大营业网点费用。二是信息优势。互联网金融借助掌握的海量客户数据,能精准地发现和接触客户,快速掌握客户的行为特征 The key reason why the internet finance shows its vitality is that the internet finance has two prominent advantages that traditional finance does not have: First, the cost advantage. Conducting business in the virtual space of the Internet eliminates the need for the huge outlets of traditional banks. Second, information superiority. With the help of vast amounts of customer data, Internet Finance can accurately find and contact customers and quickly grasp the characteristics of customers’ behaviors