在规范发展理念的指导下,互联网金融行业只有充分把握好合法发展、合规发展、区分发展和共享发展的制度基调,才能实现转型和创新,在未来获得更大的发展。因缺乏有效监管,过去几年中,我国互联网金融领域存在诸多踩线创新、标准不一、真伪混杂现象,并直接导致2015年集中爆发行业清理事件。 Under the guidance of the concept of standardization development, only by fully grasping the institutional keynote of lawful development, compliance development, differentiation of development and shared development, can the Internet finance industry achieve transformation and innovation and achieve greater development in the future. Due to the lack of effective supervision, in the past few years, there are many trampling innovations in the field of internet finance in our country, with different standards and the true and false promiscuity, which directly led to the outbreak of industrial liquidation in 2015.