当下,互联网金融不仅是各界人士热议的话题,也是包括传统金融机构、高科技公司等在内的公司竞相投身创业的领域,更是广大民众普遍参与财富增值的活动。互联网金融目前没有统一的定义,这一概念正随着金融创新在不断丰富其内涵和业务模式。从市场发展状况来看,互联网金融至少涵盖了虚拟货币(如比特币)、网络资金融通(P2P、众筹、“宝宝”类系列理财产品等)、第三方支付、网上销售等 At present, Internet finance is not only a hot topic for people from all walks of life, but also an area where companies, including traditional financial institutions and high-tech companies, compete to start their own businesses. It is also an activity in which the majority of people participate in wealth appreciation. There is no unified definition of Internet finance at present. This concept is constantly enriching its connotation and business model with financial innovation. From the perspective of market development, Internet finance covers at least the following aspects: virtual currency (such as bitcoin), network financing (P2P, crowdfunding, “baby” series of wealth management products, etc.), third party payment, online sales, etc.