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互联网金融 ；特点 ；模式 ；未来
Internet finance; feature; mode; future
1 互联网金融的特点。 互联网金融相对于传统金融有两点.
The Internet relies
on a very low marginal cost
of finance,
can penetrate
to the large number of customers, the smaller the amount of small but
significant
amount of micro-groups.
By lowering
the sales
starting
point
can it satisfy small customers. For this reason, when Baidu 100 first
publish,
because the
volume of traffic
causes the service
to crash,
Lufax
and CMB E home investment projects are in short supply.
互联网金融的模式
of Internet finance
目前市场上，存在“互联网金融（”互联网企业提供金融服务） 和“金融互联网”
（金融企业使用互联网手段） 两种说法，当然业内一般把所有涉及到金融业务的互
联网化经营模式， 都可以定义为“互联网金融”。 从现象来看， 目前普遍存在的互联
网金融模式主要包括以下几种 ：
Currently
on the market, there
are Internet
finance
(Internet
enterprises
provide finance service) and finance Internet(finance enterprises use
Internet means). But industries define all the Internet business models
involved
in
financial
services
as finance
Internet.
From the
phenomenon,
the Internet
finance
models currently exist
mainly
include the
following.
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P2P 贷款
Peer To Peer Lending
P2P 贷 款（ Peer To Peer Lending ），也译为“人人贷”，就是投资人通过有资质的
中介机构牵线搭桥， 使用信用贷款的方式将资金贷给其他有借款需求的人。 中介机
构负责对借款方的经济