随着互联网和金融业相互渗透的加深,金融服务方式将发生彻底的变革。而互联网带来的数据信息革命,使数据和信息变为重要的战略资源,深刻改变着我们的生活和行为模式。然而,互联网在放大经济和社会各个领域信息量和扩大信息交换范围的同时,也使得信息安全问题浮出水面。金融产品和服务的创新带来业务的迅猛发展,互联网金融这种融合性经营模式在传统的监管体制下,会提出新的课题和挑战。 With the mutual penetration of the Internet and the financial sector deepened, the way of financial services will undergo radical changes. The revolution in data and information brought by the Internet has made data and information an important strategic resource that profoundly changes our life and behavior patterns. However, the Internet, while enlarging the amount of information in all fields of economy and society and expanding the scope of information exchange, has also brought about the issue of information security. The innovation of financial products and services has brought about the rapid development of business. The integrated financial business model of Internet finance will put forward new issues and challenges under the traditional supervision system.