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【引言】互联网金融已经全面冲击传统金融,目前已经形成了技术大创新、模式大革命、产业大冲击、监管大格局、思维大颠覆的新型金融,互联网金融将成为金融的主流业态。未来的互联网金融将进入互联网金融1.0时代——金融换媒和互联网金融2.0时代——产品创新。2013年互联网金融浪潮汹涌来袭,各种业态遍地开花,政策环境不断利好。2014年3月5日,李克强总理在政府工作报告中提到“促进互联网金融健康发
【Introduction】 Internet finance has been a full impact on traditional finance. At present, a new type of financial and Internet finance has been formed, which is characterized by technological innovation, model revolution, big industry impact, macro-regulatory environment and great subversive thinking. Internet finance will become the mainstream financial format. The future of Internet finance will enter the era of Internet finance 1.0 - Financial media exchange and Internet finance 2.0 era - Product innovation. In 2013, the tide of internet finance surged, all kinds of business conditions flourished, and the policy environment continued to be favorable. On March 5, 2014, Premier Li Keqiang mentioned in his government work report that ”promoting the healthy development of Internet finance