Internet finance offers innovative products and services based on Internet "thinking", and these new services are grabbing attention.

They feature high returns and flexible transactions, and they have raised a huge scale of funds in a short time. Internet finance also features low entry barriers and rapid development, enabled by the application of Internet technology.

The main problems in Internet finance include weak credit rating functions and inadequate risk and evaluation systems. The sector is also hampered by illegal network transactions that can be difficult to detect, gaps in information technology security and an incomplete regulatory system.