互联网金融是互联网行业与金融业的跨界融合、跨界发展。近年来,互联网金融跨越式发展,对我国经济金融产生了深远影响。互联网金融借助信息技术,可以打破传统金融机构通过实体网点提供服务的限制,通过互联网平台可以覆盖更多客户,可将金融业务延伸至更靠近客户的端点,让客户有更好的服务体验;可以提供更多元化的服务,大大拓宽了金融业务范围。互联网金融依托便捷的渠道、灵活的产品服务,成为普通民众、小 Internet finance is the cross-border integration and cross-border development of the Internet industry and the financial industry. In recent years, the leapfrog development of Internet finance has had a profound impact on China’s economy and finance. With the help of information technology, Internet finance can break the restrictions of traditional financial institutions to provide services through physical outlets. By Internet platform, more customers can be covered, and financial services can be extended to the endpoints closer to customers, so that customers have a better service experience. To provide more diversified services, greatly expanded the scope of financial services. Internet financial relying on convenient channels, flexible product services, become ordinary people, small