互联网金融是依托互联网技术和展业规则而兴起的金融服务业态。伴随互联网、移动通信、智能手机等技术的应用和普及,我国互联网金融行业在市场规模、用户数量、技术迭代等方面一直处于快速发展阶段,逐步形成了以互联网支付、网络借贷、股权众筹、互联网基金销售、互联网保险、互联网信托、互联网消费金融等为核心业务的互联网金融产业体系,在缓解传统金融体系信息不对称、降低交易成本、提高服务效率、拓展服务覆盖面等方面,发挥了积 Internet finance is based on Internet technology and exhibition industry rules and the rise of the financial services industry. With the application and popularization of Internet, mobile communications and smart phones, China’s Internet finance industry has been in a rapid development stage in terms of market size, number of users and technological iterations, and has gradually taken shape in the form of internet payment, online lending, equity crowdfunding, The Internet financial industry system with Internet fund sales, Internet insurance, Internet trusts and Internet consumer finance as the core business played an important role in alleviating information asymmetry in traditional financial systems, lowering transaction costs, improving service efficiency and expanding service coverage.