当前,业界和学术界对互联网金融尚无明确的、获得广泛认可的定义,但对互联网支付、P2P网贷、众筹融资等典型业态分类有比较统一的认识。一般来说,互联网金融是互联网与金融的结合,是借助互联网和移动通信技术实现资金融通、支付和信息中介功能的新兴金融模式。广义的互联网金融既包括作为非金融机构的互联网企业从事的金融业务,也包括金融机 At present, there is no clear and widely accepted definition of Internet finance in the industry and academia, but there is a more unified understanding of typical business taxonomies such as internet payment, P2P loan and crowdfunding. Generally speaking, Internet finance is a combination of the Internet and finance. It is an emerging financial model that uses the Internet and mobile communications technologies to realize the functions of financing, payment and information intermediaries. Broad Internet finance includes both financial businesses as Internet companies that are non-financial institutions, as well as financial machines