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目前,互联网与金融的跨界仍然只能称之为相互渗透,真正具有颠覆意义的“互联网金融”需要更为大胆的想象互联网最大的商业价值是用户。因此,互联网金融适宜于在传统金融机构所不屑的长尾市场上精耕细作专注于消费者金融和小微企业金融服务。这都是传统金融不擅长的、不屑于做的事情,也是互联网企业最容易切入的金融领域。目前来看,我国互联网金融主要有六大模式:第三方支付、P2P网络贷款、众筹融资、基于大数据的金融服务平
Currently, the Internet and financial cross-border can only be called interpenetrating and truly subversive “Internet finance ” Need more bold imagination The biggest commercial value of the Internet is the user. Therefore, Internet finance is suitable for intensively focusing on consumer finance and small and micro enterprise financial services in the long tail market dismissed by traditional financial institutions. This is not good at traditional finance, disdain to do, but also the most easily cut into the financial sector of Internet companies. For now, there are six main modes of Internet finance in China: third-party payment, P2P network loans, crowdfunding, big data-based financial services