互聯網金融是一個比較新興的概念，也是一個充滿未知，充滿想像空間的概念，其興起有其獨特的背景。這些背景中，有些是全球性的，有些則為中國大陸所特有。 本文藉由相關的一些文獻回顧，並結合一些數據分析趨勢，以中國大陸的互聯網金融為主要研究對象，結合相關論文和期刊的觀點，同時也結合網路上以及電視節目裡一些專家學者的觀點，將這些加以整合，並結合我自己對互聯網金融的一些看法，讓大家對互聯網金融有個整體的瞭解，瞭解整體的框架。 本文探討了互聯網金融的基本概念，特點分別是成本和邊際成本低，效率高能夠充分而快速地抵達潛在客戶，但以小微客戶為主，覆蓋廣，發展迅速，但淘汰率快，監管弱，風險大，市場格局可能發展成寡頭市場。本文也探討了互聯網金融的幾個典型誤區，分別是互聯網金融就是電子化，將一些傳統的金融業務從線下搬到線上就是互聯網金融，不細分客戶，所有客戶都通過互聯網來服務。 本文將互聯網金融分8個模式進行探討，分別是第三方支付，P2P，眾籌融資，互聯網貨幣，大數據金融，互聯網金融門戶，互聯網理財產品，資訊化金融機構，並分別論述這8個模式對傳統金融的影響，並進行中美兩國互聯網金融的對比，預測互聯網金融未來的趨勢。 / Internet financial service is a relatively new concept, an unknown concept and a concept full of imagination. It has special backgrounds. Some are global, and some are unique in China. This paper mostly focuses on the Internet financial services in China. This article combines the view of some papers and magazines, and the paper also combines the view of some experts on TV and on the Internet. But some of this view is not so proper in my point. So I combine this view with my own opinion. I wish that the readers will have a simple understanding of the Internet banking from my paper. This paper discusses the basic concepts of Internet banking. The characteristics are low cost and low marginal cost, high efficiency. The main customers usually do not have too much asset. It has wide coverage, develops rapidly. Its attrition rate is fast. It has weak supervision , high risk and the market may develop into oligopolistic market structure. This article also discusses some typical errors of understanding of Internet banking. The first one is that Internet banking is just electronic. The second one is that moving the traditional financial business from offline to online is the Internet banking. The third one is to use the Internet to service all the customers with no customer segments. This article will discuss the 8 modes of Internet banking, which are third-party payment, P2P, crowd funding, Internet currency, big data finance, Internet banking portals, Internet financial products, information oriented financial institution. And this paper also discusses these eight models’ impact on traditional finance. This paper compares the differences between Chinese and American Internet financial services. At last, the paper predicts the future trends of Internet financial services。