industry and modern information technology represented by the , mobile payment, puting, data mining, search engines and works, etc.) Produced by bination of emerging field. Whether financial or the , the is just the difference on the strategic, there is no strict definition of distinction. As the financial and the mutual ration and integration of the , the financial can refer all through the technology to realize the financing behavior. financial is the and the traditional financial product of mutual infiltration and fusion, the new financial model has a profound background. The emergence of the financial is a craving for cost reduction is the result of the financial subject, is also inseparable from the rapid development of modern information technology to provide technical support.