伴随着信息技术迅猛的发展,互联网使金融发展发生了根本性的变革,打破了原有金融生态秩序,已成为形成金融新常态的主要变革力量。金融生态步入新常态。因此基于互联网金融P2P网络借贷的视角下指引对适应金融新常态具有重要实践意义。互联网金融已成为金融机构在经营管理过程中面临的巨大挑战。 With the rapid development of information technology, the Internet has undergone fundamental changes in financial development. It has broken the original financial ecological order and has become the major reform force that has formed a new normal of finance. Financial ecology has entered a new normal. Therefore, the guidance based on internet financial P2P network borrowing has important practical significance to adapt to the new financial normal. Internet finance has become a huge challenge for financial institutions in their operation and management.