关于互联网金融与金融互联网若干争论的评析与思考

互联网金融是基于互联网技术的金融创新，而金融互联网则是对传统金融服务的升级。本文从互联网金融与金融互联网概念、功能、相互关系和未来发展趋势出发，通过列示现有各方观点，对观点进行评析，揭示其未来发展趋势以及对传统银行业的影响。互联网金融与金融互联网都会对金融业产生巨大的推动作用，但金融互联网才是未来银行业大势所趋，差异化经营有助于传统金融机构更好地应对互联网金融带来的冲击。

The Comments and reflections on some debates about the Internet finance and financial internet

The internet finance is the financial innovation which is based on the internet technology, while the financial internet is the upgrade of the traditional financial services. The paper begins from the concept, functions, relationship and future development trends of the internet finance and financial internet, by listing the existing views, tries to make comments with the rational attitude and to reveal the future development trends and their impact on the traditional banking. The internet finance and financial internet will produce a huge boost for the financial industry, but the financial internet is the real future trend of the banking, and the differential management helps traditional financial institutions to better respond to the impact of the internet finance.