1. Convenience: Internet finance provides faster and more convenient financial services. For example, through mobile phone applications or websites, users can conduct transactions at any time and any place without going to the physical outlets of banks or financial institutions.

2. Inclusiveness: Internet finance is committed to providing financial services to a wider range of people, especially those who may be ignored by the traditional banking system. Through the Internet and mobile devices, Internet finance can reach a wider range of users and provide a variety of financial services, including savings, loans, payments and investments.

3. Efficiency: Internet finance can use big data and artificial intelligence technologies to achieve more efficient risk assessment and financial service processing. Internet finance can respond to customers' needs more quickly and provide more personalized services through automated and intelligent means.

4. Cross-border: Internet finance has broken the boundaries of traditional financial services and combined with other industries (such as e-commerce, social media, mobile communication, etc.). ) form a new financial business model. For example, Internet insurance, Internet funds, Internet banking, etc.

5. Innovation: Internet finance constantly innovates in products and services to meet the increasingly diverse needs of customers. For example, Internet finance has innovated new products and services such as mobile payment, digital currency and smart investment.

6. Risk: While Internet finance brings convenience, it is also accompanied by certain risks. Such as information security risk, fraud risk and operational risk. Therefore, it is very important for Internet financial service providers to establish a sound risk management mechanism.

Generally speaking, internet finance is changing the traditional financial industry and service model with its characteristics of convenience, inclusiveness, high efficiency, cross-border, innovation and risk, and bringing more convenience and choices to people's lives.