当前,面对互联网金融的讨论热潮,首先需要对其概念进行辨析。这就要从与金融相关的两大现代学科体系入手,即货币经济学与金融经济学。互联网信息技术的发展,则对于这两大学科体系的研究对象产生了深远冲击。一方面就货币经济学来看,互联网使电子货币逐渐演变出虚拟货币形势,进而深刻影响货币的概念及流通;另一方面就金融经济学来看,金融体系的功能可以归纳为支付清算、资金的配置、风险的管理、信息的管理等几个方面,互联网技术对于这些功能的实现,产 At present, in the face of the discussion craze of internet finance, we first need to differentiate its concept. This should start with the two major modern financial system, namely monetary economics and financial economics. The development of Internet information technology has a profound impact on the research objects of these two disciplines. On the one hand, in terms of monetary economics, the Internet has gradually evolved electronic currency into a virtual currency situation, which in turn has a profound impact on the concept and circulation of money. On the other hand, in terms of financial economics, the functions of the financial system can be summarized as payment and liquidation, The configuration, risk management, information management, and several other aspects of Internet technology for the realization of these functions, production