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过去的2013年,互联网与金融深度融合,“互联网金融”成为惹人注目的新兴业态,也深刻改变了人们的生活方式。那么,到底互联网金融是什么呢?广义的互联网金融就是指一切利用互联网技术、互联网思维开展的金融业务。现阶段,我国的互联网金融主要有4大类。一是第三方支付平台,例如支付宝。买家购买商品后,将货款支付给卖家以外的第三方支付平台,等到买家确认收货后再将货款付给卖家。它不仅起到快捷支付作用,还一定程度上充当了信用中介。二是金融产品销售渠道
In the past 2013, the deep integration of the Internet and finance has made “Internet finance” an attractive new format and a profound change in people’s lifestyles. So, in the end Internet finance is what? Broad Internet finance refers to all the use of Internet technology, Internet thinking to carry out financial business. At this stage, China’s Internet finance has four main categories. First, third-party payment platform, such as Alipay. After the buyer purchases the goods, the payment will be paid to the third-party payment platform other than the seller, and the buyer will pay the seller after confirming the goods receipt. Not only does it play a quick payment role, but it also acts as a credit intermediary to some extent. Second, financial products sales channels