一、引言随着互联网技术的进步和网络交易的兴盛,线上个人间交易对支付的需求大幅增加。同时,由于社会经济的不断发展,从大型到中小企业融资者,对于金融产品与服务的需求出现差异化。传统银行的间接融资,以同等方式对待具有不同需求的金融消费者,普遍存在贷款种类偏少、要件严、手续繁复等缺点,因此在当今电子商务时代,已难以满足市场参与者的需要。影响所及,近年来互联网金融借着无远 I. INTRODUCTION With the advancement of Internet technology and the flourishing of online transactions, the demand for payment from online personal transactions has increased dramatically. In the meantime, due to the continuous development of the social economy, the demand for financial products and services varies from large-scale to small and medium-sized enterprise financiers. The indirect financing of traditional banks treats the financial consumers with different needs in the same way. There are many shortcomings such as fewer types of loans, strict requirements and complicated procedures. Therefore, in today’s era of e-commerce, it is hard to meet the needs of market participants. Affected by the Internet finance in recent years by farther