互联网金融是借助于互联网技术、移动通信技术实现资金融通、支付和信息中介等业务的新兴金融模式。中国互联网金融发展迅猛，目前具有传统金融业务互联网化、互联网支付清算、网络贷款、众筹以及虚拟货币等主要业务模式。从影响上看，互联网金融在各自业务领域的影响整体较小；对银行部门的影响短期有限，长期可能较为深远；对金融体系的整体影响是综合性的，但目前极为有限。互联网金融是传统金融通过互联网技术在理念、思维、流程及业务等方面的延伸、升级与创新，具有互联网产业和金融部门的双重属性，且没有脱离金融的本质。互联网金融目前不会引发系统性风险，主要风险在于强化了风险的内在关联性。在积极鼓励互联网金融发展的同时，应该建立健全完善的互联网金融监管框架，有效防范金融风险。
The so-called ‘internet finance’ has recently has five business models in China，application of internet technologies of traditional financial business，payment and settlement based on internet，peer to peer loans，crowd founding through internet and fictitious money respectively. The internet finance has little influence on the related financial segments，the banking sector and the financial system as a whole recently and in the near future in China. However，its impacts on the banking system might be very essential in the long term. The internet finance，as a technical extension，an innovation of service model and a procedure update of traditional finance business，has not changed the nature of the financial system. As a financial innovation，the internet finance improves the efficiency of finance system while also has particular risks. The internet finance will not lead to systemic risks but might cause the interconnectedness problem. The supervision and regulation on the internet finance should combine inclusion and effectiveness and establish a comprehensive framework includes inclusive development approaches and effective regulation methods.
