近年来,互联网金融这个概念喧嚣不已,人们以谈论这个问题为前沿和品位。更有倾向是,将互联网金融加以泛化、虚化和神化,几近达到影响视听,进而影响时代和经济社会历史进程的程度。在互联网金融的种种鼓噪声中,现阶段几乎还分不清主次。但互联网金融的基本业态大体为:(1)互联网企业操持的互联网+非持牌金融活动;(2)持牌金融机构操持的金融+ In recent years, the concept of Internet finance has been raging. People talk about the issue as frontier and taste. The more inclined is that the Internet finance should be generalized, blurred and deified, almost to the extent that it affects the audiovisual and audiovisual activities and will affect the historical process of the economy and society. In the noise of the Internet finance, at this stage, it is almost impossible to tell the primary and secondary. However, the basic format of Internet finance is generally: (1) Internet + non-licensed financial activities held by Internet companies; (2) financial +