Internet finance, also known as e-finance, refers to the financial activities realized on the Internet based on the achievements of financial electronization, including online financial institutions, online financial transactions, online financial markets and online financial supervision. In a narrow sense, it refers to the financial services carried out on the Internet, including online banking, internet securities, online insurance, online stocks, options and other financial services and related content; Network finance in a broad sense is the general name of all financial activities in the world supported by network technology, including not only narrow content, but also network financial security, network financial supervision and many other aspects. It is different from traditional financial activities in physical form, and it is a financial activity in electronic space. Its existence form is virtualized and its operation mode is networked. It is the product of the rapid development of information technology, especially internet technology, and it is a financial operation mode that meets the needs of e-commerce development in the network era. The customer-centered nature of online finance determines its innovative characteristics. In order to meet the needs of customers, expand market share and enhance competitive strength, online finance must carry out business innovation. This kind of innovation is happening in all fields of finance.