互联网金融是指以依托于支付、云计算、社交网络以及搜索引擎等互联网工具,实现资金融通、支付和信息中介等业务的一种新兴金融。互联网金融的发展已经历了网上银行、第三方支付、个人贷款、企业融资等多阶段,并且越来越在融通资金、资金供需双方的匹配等方面深入传统金融业务的核心。 Internet finance refers to a kind of emerging finance that relies on Internet tools such as payment, cloud computing, social networks and search engines to realize the business of financing, payment and information intermediary. The development of Internet finance has gone through multiple stages such as online banking, third-party payment, personal loans and corporate finance, and more and more goes deep into the core of traditional financial business in terms of financing and matching of fund supply and demand.