随着社会经济的飞速发展,多元化的互联网金融崛地而起,不断的吸引着人们的注意力,可以是说是经济市场发展中的一匹黑马,同时也在不断地向传统金融发起挑战。新兴的支付方式,如支付宝、P2P、众筹等业务迅速崛起,尽管发展很迅猛,但是其中也存在着许多问题,本文就互联网金融的运作模式与发展对策作以浅析。 With the rapid socio-economic development, diversified Internet finance has risen to the sky and continuously attracts people’s attention. It can be said that it is a dark horse in the economic market and is constantly challenging traditional finance . Emerging payment methods, such as Alipay, P2P and crowdfunding, have risen rapidly. Despite the rapid development, there are still many problems in this regard. This article analyzes the operation mode and development strategy of Internet finance.