自2013年下半年以来,“互联网金融”已成为当下最热门的话题。根据有关数据表明,2014年上半年,全国P2P网贷成交额964.46亿元,较去年下半年的600.64亿元,增加了363.82亿元,增长60.57%。中国互联网金融虽然起步较晚,但是伴随着我国独特的互联网大环境和发展历程,在近两年的时间里,各大互联网企业、金融机构纷纷进军互联网金融业。在随着余额宝等“宝宝们”层出不穷,互联 Since the second half of 2013, “Internet Finance” has become the hot topic of the moment. According to relevant statistics, in the first half of 2014, the nationwide P2P net loan transaction volume was 96.446 billion yuan, an increase of 36.382 billion yuan or 60.57% from 60.664 billion yuan in the second half of last year. Although China’s Internet finance started relatively late, along with China’s unique Internet environment and development process, in the past two years, all major Internet companies and financial institutions have stepped into the Internet finance industry. With the balance of treasure, etc. “babies ” after another, the Internet