当前,我国互联网金融快速发展,在服务实体经济、解决小微企业融资、满足个性化金融服务需求以及推动普惠制金融发展等方面发挥了积极作用。本文从互联网金融发展的现状出发,探讨了互联网金融的本质属性和功能界定,从国际比较的视角对中国互联网金融发展的独特性进行了分析,对互联网金融的发展前景和路径、对金融改革的促进效应及监管必要性等进行了研判,从监管层面、自律层面、市场配套等方面对互联网金融的治理机制提出了可行性建议。 At present, the rapid development of Internet finance in our country plays an active role in serving the real economy, solving the financing of small and micro enterprises, meeting the demand of personalized financial services and promoting the development of GSP finance. Based on the status quo of internet finance development, this article explores the essential attributes and functions of internet finance, analyzes the uniqueness of internet finance in China from the perspective of international comparison, analyzes the development prospects and paths of internet finance, The promotion effect and the necessity of supervision, etc., and put forward feasible suggestions on the governance mechanism of internet finance from aspects of supervision, self-regulation and market support.