Internet finance is the result of integration of the Internet and the financial industry. It has become the most energetic and cre-ative part of China's financial system. With high efficiency and low cost, the Internet finance extends the coverage and raises the availabili-ty of financial services, enabling small and micro businesses and low income earners to obtain more convenient services with reasonable prices. It empowers everyone an equal right to participate in financial practices. In the environment of e-business, the online transaction data could be analyzed for estimating the credit of small and micro businesses, making conditions favorable to raise fund for small and mi-cro businesses. The application focus of the Internet finance includes Internet financial management, P2P platforms, crowd funding, and big data finance.%互联网金融是互联网向金融行业渗透融合的产物，互联网金融已经成为我国金融体系中最具活力和创造力的领域，互联网金融的高效率低成本、提高了金融服务的覆盖面和可获得性，使小微企业和社会低收入者能够获得方便快捷、价格合理的金融服务，使人人都有平等的金融参与权；在电子商务环境下，通过互联网交易数据发掘分析，从中找出可以评估小微企业信用的数据，为小微企业的融资创造了条件。目前互联网金融的应用热点主要包括互联网理财、P2P平台、众筹模式和大数据金融。
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