当前国内的互联网金融热潮已经席卷各界。从金融经济学角度看,互联网使传统金融体系的功能实现,出现了更多新的模式、承载主体和路径。根据罗伯特·默顿在教科书中所言,金融体系的主要功能包括:资金供求的配置(融通资金和股权细化、为在时空上实现经济资源转移提供渠道、解决金融交易中的激励问题)、风险的管理与分散、提供支付清算服务、发现与提供信息等。此外,还应加上传递金融 The current Internet financial craze has swept across all walks of life. From the perspective of financial economics, the Internet has enabled the functions of the traditional financial system to come into effect, and more new models have emerged that carry the main body and paths. According to Robert Merton in the textbook, the main functions of the financial system include: the allocation of capital supply and demand (financing of capital and equity refinement, providing a channel for the economic and resource transfer in time and space to solve incentives in financial transactions) Risk management and dispersion, providing payment and settlement services, discovering and providing information. In addition, financial transfer should be added