随着互联网技术的不断发展和对金融业的渗透,互联网金融已经引起社会各界的广泛关注。本文通过对互联网金融的形成背景作简要概述,比较互联网金融与传统金融的优势所在,并从信用模式、区域发展状况、货币创造功能、互联网金融监管四个方面提出互联网金融在未来发展阶段可能存在的隐患作出分析。 With the continuous development of Internet technology and infiltration into the financial industry, Internet finance has drawn wide attention from all walks of life. This article gives a brief overview of the forming background of Internet finance, compares the advantages of Internet finance and traditional finance, and suggests that Internet finance may exist in the future development stage from four aspects: credit mode, regional development status, currency creation function and Internet financial regulation. The hidden dangers are analyzed.