从2015年开始,中国传统金融业逐步进入到一个加速向互联网模式转型运营的阶段,传统银行积极进行互联网化模式探索、互联网保险双向渗透趋势加强、传统证券业加快向互联网金融战略演进、互联网基金、互联网信托和互联网消费金融不断进行创新发展,不过由于互联网金融在我国出现时间较短,发展速度快,而法律、政策监管没有及时跟上,因此暴露出很多问题。未来在监管体系逐步到位的条件 Since 2015, China’s traditional financial industry has gradually entered a phase of accelerating the transition to the Internet model. Traditional banks actively explored the Internet model, the two-way penetration of Internet insurance has been strengthened, the traditional securities industry has accelerated its evolution to an Internet finance strategy, and the Internet Fund Internet trusts and Internet consumer finance are making continuous innovations and developments. However, due to the short emergence and rapid development of Internet finance in our country, the supervision of laws and policies has not kept pace with in a timely manner, thus exposing many problems. The future conditions of the regulatory system in place gradually