互联网金融与传统金融的一个重大区别在于服务对象领域的不同。“长尾”特征被认为是互联网金融存在的逻辑,也是互联网金融未来发展的方向。本文探究了长尾理论成立的条件,分析了互联网金融能否拓展金融的“尾部”市场。 One of the major differences between Internet finance and traditional finance lies in the area of ​​service targets. “Long tail ” feature is considered as the logic of Internet finance, but also the future direction of Internet finance. This article explores the conditions for the establishment of the long tail theory and analyzes whether Internet finance can expand the financial “tail” market.