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诚如彭冰教授所言,金融的本质是资金融通,这是根本不变的。互联网金融或者传统金融在本质上并没有什么区别,如果我们一定要对互联网金融下一个定义,我认为互联网金融就是利用互联网的手段、理念或者技术从事金融服务。将我国互联网金融的发展状况与英美等西方国家进行一个横向对比,可以发现,英美从事互联网金融的平台就那么几家,而中国的互联网金融发展则可以用百舸争流,千帆竞发来形容。其原因在于,在中国,民间金融机构广泛利用了互联网
As Professor Peng Bing has said, the essence of finance is to provide financial facilities. This is basically unchanged. Internet finance or traditional finance is not different in essence. If we must define the Internet finance in the next place, I think that Internet finance is to use financial means, concepts or technologies of the Internet to engage in financial services. A horizontal comparison between the development of Internet finance in China and that in Western countries such as the United States and the United States shows that there are only a few platforms in which the United Kingdom and the United States are engaged in Internet finance while the development of Internet finance in China can be described in the context of " . The reason is that in China, private financial institutions make extensive use of the Internet