The internet finance I understand is an extremely broad concept. Whether Internet companies play finance or financial institutions touch the net, the starting point and way of business development are only because of the differences in genes and lineages, and the ultimate essence/goal is not different.

The branches of Internet finance are as rich as those of finance. For example,

Online credit. This is also the most traditional business in the financial industry. Ali Finance is indeed a representative player. It represents a novel way for e-commerce to do finance. In addition, there are B2B websites such as HC Network and Dunhuang Network, which have made themselves financing intermediaries. On the one hand, they have members with financing needs, on the other hand, they introduce banks and small loan companies. There is also a P2P lending platform mentioned by the landlord, represented by lending club. On the other hand, financial institutions are also boldly exploring the practice of traditional banks borrowing Internet channels and modes to complete credit transactions through touching the net. For example, lufax of Ping An Bank is the most typical representative of this kind.

Internet finance. Oriental Fortune is an Internet investment and financial management platform, providing a package of services from information, intermediary to transaction. A while ago, Alibaba's Yu 'ebao was another product that met the public's financial needs through the Internet.

Internet insurance. Because the insurance industry (manpower/property) itself needs to follow the law of large numbers, the innovation of internet insurance pays more attention to the innovation of channel construction. More insurance companies move highly modular products to the Internet and use the Internet to complete inquiry, pricing, underwriting and policy writing, thus gradually replacing most of the work of insurance agents (not brokers).

Internet venture capital/crowdfunding. Kickstarter's model is more Internet-based. If we insist on distinguishing between internet finance and financial internet, I personally think that online crowdfunding is the most typical model of the former.

Internet information/live broadcast. Yanhuang finance is good. There are financial information at home and abroad, live broadcast of financial solutions, investment and operation.