近年来互联网技术的快速普及,催生了很多新的金融服务方式。在这些服务方式之上,逐渐形成了现在所称的“互联网金融”的业态。在我国,这些业态包括互联网支付、网络借贷(P2P)、股权众筹融资、网络金融产品销售。这些业态发展非常迅速,总体上看,这些金融服务极大丰富了金融市场,也带来了很多新的商业机会。在很多方面,比如支持电子商务、小微企业的融资需求等方面, In recent years, the rapid popularization of Internet technology has spawned many new ways of financial services. Above these service modes, what is now called “Internet Finance” has gradually been formed. In our country, these formats include Internet payment, P2P (internet loan), crowdfunding of shareholding and sale of online financial products. These formats have been developed very rapidly. As a whole, these financial services have greatly enriched the financial markets and brought many new business opportunities. In many ways, such as supporting e-commerce and the financing needs of small and micro enterprises,