金融的核心功能不变。互联网金融仍是在不确定环境中进行资源的时间和空间配置,以服务实体经济。股权、债权、保险、信托等金融契约的内涵不变。金融契约的本质是约定在未来不确定情形下各方的权利义务,主要针对未来现金流。比如,股权对应着股东对公司的收益权和控制权,债权对应着债权人定期向债务人收取本金和 Financial core functions remain unchanged. Internet finance is still time and space allocation of resources in an uncertain environment to serve the real economy. Equity, debt, insurance, trust and other financial contracts unchanged. The essence of the financial contract is to stipulate the rights and obligations of all parties under uncertain circumstances in the future and mainly focus on the future cash flow. For example, the shareholding corresponds to the shareholder’s right of gain and control over the company, which corresponds to the creditor’s regular collection of the principal from the debtor and