Internet Finance (IT FIN) is a new type of finance that relies on Internet tools such as payments, cloud computing, social networks, and search engines to achieve financial intermediation, payments, and information intermediaries. Internet finance is not a simple combination of internet and financial industry, but in the realization of security, mobile and other network technology level, the user is familiar with the acceptance (especially the acceptance of e-commerce), naturally to adapt to the new needs of the new model and new business. is the traditional financial industry and the spirit of the Internet to combine the emerging areas. The difference between Internet finance and traditional finance lies not only in the different mediums used in financial business, but also in financial participants ' understanding of the essence of "openness, equality, collaboration and sharing" of the Internet, which makes traditional financial business more transparent, more engaged, more collaborative and more efficient through internet, mobile Internet and other tools. The middle cost is lower, the operation is more convenient and so on a series of characteristics. Theoretically any Internet application involving generalized finance should be internet finance, including but not limited to third-party payments, online banking products sales, credit evaluation audits, financial intermediaries, and financial e-commerce models. The development of Internet finance has experienced many stages, such as internet banking, third party payment, personal loan, enterprise financing and so on, and it is more and more in the core of traditional financial business, such as financing, matching of capital supply and demand, etc. The most basic function of financial services entity economy is financing funds, the matching of capital supply and demand (including financing amount, time limit and risk income match) can be carried out by two kinds of intermediary: One is commercial bank, corresponding to indirect financing mode, the other is stock and bond market, corresponding to capital market direct financing mode. These two types of financing models play an important role in resource allocation and economic growth, but the transaction costs are enormous, including the profits, taxes and remuneration of financial institutions.
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