互联网金融元年已在脚下,那么互联网金融的勃兴对于传统金融业到底意味着什么?对此,目前学界还未尽一致,杨涛等人认为互联网金融是披着传统互联网外衣的传统金融;谢平等人认为互联网金融开辟了独立于直接金融和间接金融的第三种金融模式;而吴晓求等人则认为互联网金融是一种新的金融运行结构,将与传统金融在竞争中共存,在共存中竞争。与学界的雾里看花不同,以阿里、腾讯等互联网 Internet finance is already at the root of the first year. So what is the significance of the rise of Internet finance to the traditional financial industry? At present, there is still no consensus in the academic circles. According to Yang Tao and others, internet finance is the traditional finance covered by the traditional Internet garments. Xie et al People think that Internet finance has opened up a third financial model that is independent of direct finance and indirect finance. However, Wu Xiaoqiu et al. Think that Internet finance is a new structure of financial operation that will coexist with traditional finance in the competition and compete in coexistence . Different from the fog in the academic field, Ali, Tencent and other Internet