兹维·博迪(Zvi Bodie)、罗伯特·C·莫顿(Robert C.Merton)在两人合著的《金融学》中提到:“金融功能要比金融机构更加稳定”。事实上,互联网金融作为互联网和金融的结合体,并没有创造出传统金融所不具有的新功能。使其大放光彩的,是运用互联网、云计算、大数据和移动支付等技术手段对用户体验与风险管控的提升上。 Zvi Bodie, Robert C. Merton, in their co-authored “Finance,” mentions: “Financial functions are more stable than financial institutions.” In fact, Internet finance, as a combination of Internet and finance, has not created the new features that traditional finance does not have. Make it shine, is the use of the Internet, cloud computing, big data and mobile payment and other technical means to enhance user experience and risk management.