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中文摘要：
包括互联网基金理财产品、P2P网络借贷、众筹融资等在内的互联网金融在我国迅速发展，是对我国传统金融体制的一种制度性创新，需要获得组织的合法性，并确立新的组织制度。在此过程中，互联网普惠金融企业必须拥有普惠与用户思维、免费与流量思维、傻瓜型与简约思维、迭代与跨界思维，而移动型组织、社区型组织、利基型组织、开放型组织将成为互联网普惠金融企业的主要组织业态。
英文摘要：
Internet Common Beneficial Finance,such as internet financial products,P2P internet loans and crowd-funding, is developing quickly in China;it is a kind of institutional innovation to the traditional financial system requiring legal organization and new organization system. During this process,the related enterprises should have the thought of common beneficial and users-oriented,the thought of free and data uses,the thought of simplicity,and the thought of iteration and cross-boundary. And the mobilized organization,community-based organization,niche-based organization and openness-oriented organization will become the main types of organization of Internet Common Beneficial Finance related enterprises.
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