网络借贷是指借助电子商务网络平台实现借贷双方的信息对接并完成交易的借贷模式。网络借贷作为实现普惠金融最直接有效的一种手段,是多层次金融体系中不可或缺的一部分,虽然网络借贷发展时日尚短且矛盾日益凸显,但是它作为我国深化金融改革中的重点工作,是我国金融领域中最为强劲的创新型力量,网贷平台发展潜力巨大且有国家政策的扶持,而它的健康发展也离不开公证职能的 Internet loans refers to the use of e-commerce network platform to achieve the docking of information between borrowers and borrowers and complete the transaction lending model. As a most direct and effective means of achieving inclusive finance, online borrowing is an indispensable part of the multi-level financial system. Although the development of online lending is still short and contradictory day by day, it has become the focus of our country’s deepening financial reform Work is the most powerful innovative force in the financial field in our country. The network loan platform has great potential for development and is supported by the national policies. Its healthy development can not be achieved without notarization