通过对互联网金融的概念界定、功能定位、作用、发展进程、监管之策、未来趋势等六个颇具热议的问题进行梳理和冷思考，旨在清晰勾勒出互联网金融发展的轮廓，理性客观地去认识互联网金融。为了更好地发展互联网金融，金融企业和互联网企业应优势互补，相辅相成，从而营造出新型的包容性金融业态。%This paper sorts out and calmly thinks about the following hotly problems:the defi-nition of the concept of internet financial,functional orientation,the development process, regulatory strategies and future trends to clearly and wholly outline the development of internet financial,rationally and obj ectively understand the internet finance.After recognition,in order to better develop internet finance,financial companies and internet companies should establish a relationship of competition and cooperation,complementary advantages,complement each other,thus creating a new inclusive finance formats.
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