互联网金融还是热门，但是物联网金融又来了
互联网
互联网作为一个野蛮人闯入各个行业的时候，每一个行业都迎来一次创新发展，互联网+的概念深入人心，手握互联网就仿佛手握了一剂良药，能够化腐朽为神奇。
如今物联网技术不断提升，实际应用能力不断加强，又给各个行业带来一剂良药，行业的可想象力和可增值空间又多了很多可能性，科技就这样一步一步地将我们带向远方。
互联网金融的结合也造就了一批明星公司，随着他们在今年准备陆续登陆资本市场，中国这批的互联网金融的公司，将迎来一波上市高潮。
根据某机构调研数据显示，在2015
年的时候，全球金融科技企业融资高达 190 亿美元，到了2016 年，仅前 8 个月融资就超过 150
亿美元，这份报告还透露了一个事实，互联网金融在新兴市场中发展很迅猛，仅仅在中国和印度，75%以上的银行客户显示，他们都有体验和使用互联网金融的服务。所以在
2016 年，亚洲金融科技公司占全球的47%，超越了美国稳坐金融科技界的头把交椅。
当下物联网来了，会不会又迸发出一批物联网金融公司呢？
通过物联网和金融融合，让金融能够依托物联网，提升用户服务体验、降低运营成本，能够实现资金流、信息流、实体流的三流合一，从而改善之前金融的信用体系，能够有点控制金融风险，同时也能影响银行、证券、保险、租赁、投资等众多金融领域的原有模式，带来金融的创新和变革。
物联网金融本质上是基于网络通信技术来提供服务金融，与互联网金融并不完全相同，虽然互联网金融也可以通过大数据技术，增强金融业务的风控能力，但是互联网金融过分依赖线上数据，在大数据搜集上，很难避免人工数据的主观性问题，比如社交数据中存在大量的假数据、僵尸数据，而且数据更多是个人的意愿表达，而非客观呈现，同时这些数据实体经济缺少连接，根本没办法做到线上和线下信用信息的交换和更新，导致这些数据无法有效和及时验证，可靠性得不到保证。
但是物联网能够做到的更广，打通了线上、线下的各类数据，将虚拟经济和实体经济链接，信用体系能够做到客观化，提高风险管控的可靠性和效率。
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