中文摘要：

互联网金融已经渗透至经济系统的各个领域。互联网金融的发展,在一定程度上对实体经济的传统金融的资金存在抑制分流作用,而目前互联网金融的资金还没完全流通到实体经济领域去。互联网金融整体发展对经济增长还有一定的负向影响作用,但互联网金融投资发展对居民消费价格指数,互联网保险发展对地方财政支出和居民消费价格指数、互联网支付对工业增加值都存在正向影响,说明互联网金融对经济增长的部分领域已经起到了促进作用。中国互联网金融的发展应该从宏观政策引导和市场化两条路径推进,从而确保互联网金融在健康发展的同时,对经济增长能够起到促进作用。

英文摘要：

Internet finance has penetrated into all areas of the economic system. The development of internet finance, to some extent, suppresses the diversion of the traditional financial funds in the real economy, while current internet finance funds do not fully flow to the real economy. The overall development of internet finance has a negative impact on economic growth, but the development of internet （CPI）, the development of internet insurance on the local financial finance investment on the consumer price index expenditure （FE） and the CPI, and the internet payment on the industrial added value （IAV） have a positive impact, indicating that internet finance plays a positive role in some areas of economic growth. Therefore, China＇s internet financial development should follow the macro-policy guidance and market orientation, to ensure the health development of internet finance and the positive role of economic growth.