互聯網金融是互聯網與金融結合的產物,是借助互聯網實現資金融通、支付和信息中介功能的金融活動,包括第三方支付、P2P、大數據金融、眾籌、信息化金融機構、互聯網金融門戶等模式。受中國傳統文化和制度環境的影響,互聯網金融近年來在中國迅 Internet finance is a combination of the Internet and finance. It is a financial activity that makes use of the Internet to realize the function of financing, payment and information intermediation. It includes such modes as third-party payment, P2P, big data finance, crowdfunding, information-based financial institutions and Internet financial portals . Affected by the traditional Chinese culture and the institutional environment, Internet finance has been fast in China in recent years