互联网金融不仅部分地提供着现有金融体系的核心功能,还对银行业运营模式产生深远影响作为信息革命时代的最重要成就,从上世纪90年代开始,互联网技术就为银行业金融机构所运用,而且一直作为银行业务发展转型的重要保障和着眼点,尤其在最近两年,互联网企业在互联网技术和金融业务的融合上实现了飞跃,形成了互联网金融这一 Internet finance not only partially provides the core functions of the existing financial system, but also exerts a far-reaching influence on the banking business model. As the most important achievement of the information revolution era, Internet technology has been applied to banking financial institutions since the 1990s , And has always been an important guarantee and focal point for the transformation of banking business. In particular, in the recent two years, Internet companies have made leaps in the integration of Internet technology and financial services, forming the foundation of Internet finance