中文摘要：

互联网金融是金融活动借助互联网等现代技术工具进行创新实践,进而实现金融服务的普及和延伸。分析发现,交易回报的泛货币化、需求推动金融创新以及共生性的金融生态系统是互联网金融的重要特征。从本质上讲,互联网金融通过＂渠道＂或＂平台＂的创新优化,实现了多元化、深层次的资金供求匹配。金融抑制、金融生态群落沉淀、市场需求结构变化、互联网技术为供给提供的保障以及普惠金融政策的实施是中国互联网金融产生与发展的根本原因,在此基础上可从传统金融中介理论比较分析角度入手,构建互联金融动因理论、模式理论及风险理论为一体的完整理论逻辑框架。

英文摘要：

Based on modern internet technology innovation,internet finance develops prosperously and largely extents the reach of traditional financial services. It is found that the monetization of the returns from financial trading,demand driven financial innovation and financial symbiotic system are important features of internet finance. Essentially,by optimizing the ＂channel＂or ＂platform＂,internet finance improves the efficiency of the funds paid and realizes diversified and deep match of funds supply and demand. The fundamental reasons of emergence and development of China ＇s internet finance include： financial repression,demand structural change,technology based supply side innovation and inclusive financial policies. Thus,the paper analyzes from the perspective of comparative analysis in the intermediation theory of traditional financial,and constructs internet financial motivation theory,model theory and risk theory as the comprehensive logical framework.