近年来,互联网技术、信息通信技术快速发展,推动互联网与金融加速融合,催生互联网金融这一新的金融业态。互联网金融有效降低了交易成本,减少了信息不对称,拓展了交易可能性集合,加速了金融脱媒,提高了金融服务的普惠性。有观点认为“互联网+金融”会颠覆传统金融业。这种观点显然没有看清金融业与其他行业的不同,忽视了两者在产权结构上的根本区别,并由此带来了对金融风险隐蔽性、 In recent years, the rapid development of Internet technology and information and communication technologies has promoted the convergence of Internet and finance and has spurred the new financial format of Internet finance. Internet finance has effectively reduced transaction costs, reduced information asymmetry, expanded the set of trading possibilities, accelerated financial disintermediation, and improved the inclusiveness of financial services. Some people think that “Internet + Financial ” will subvert the traditional financial industry. This view apparently did not see the difference between the financial industry and other industries, ignoring the fundamental difference between the two in the structure of property rights, and thus brought about the concealment of financial risks,