随着移动革命、云计算、大数据这三大互联网浪潮的涌现,深刻根植于这三大浪潮的互联网金融在全球快速发展,并呈现出第三方支付、电子银行、P2P网贷、小贷、众筹平台、互联网基金、互联网保险和互联网证券等多种形态。它重新定义了传统意义上的风险定价、服务文化、品牌信任、客户体验和资产价值,正成为整个金融生态体系中一股重要的力量。 With the emergence of the three major Internet wave of mobile revolution, cloud computing and big data, Internet finance, which is deeply rooted in these three major waveforms, has enjoyed rapid development in the world with the emergence of third-party payment, e-banking, P2P net loans, Crowdfunding platforms, Internet funds, internet insurance and Internet securities. It redefines the traditional sense of risk pricing, service culture, brand trust, customer experience and asset value, is becoming an important force in the entire financial ecosystem.