Internet Finance is a term drawing massive attention from cities to villages across China. By broad definition, internet finance – which includes Peer-to-Peer (P2P) lending and crowd funding – includes any organisation that extends their financial applications to the public over internet or any other IP network. Heated discussion surrounds the question of whether internet finance may replace conventional banking in China, unlike in many countries where it has undergone an evolution alongside conventional banking.
在中國，網路金融成了一個引起城鄉居民廣泛關注的詞語。從廣義上看，網路金融——包含個人對個人貸款（peer-to-peer lending，簡稱P2P貸款）和衆籌(crowdfunding)在內——是指任何通過網際網路或其他IP網路向公衆提供金融服務的機構。在中國，圍繞著傳統銀行是否會被網路金融所顛覆的爭論甚囂塵上。反觀其他許多國家，網路金融與傳統銀行業一道經歷了一場革命。
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