In 2014，China’s internet finance transforms from fanaticism to arational development stage. Although the central regulators have not issued the relevant regulatory policies on the development of China’s internet finance，the various local governments have set up guiding principles or regulatory measures in this area. Internet financial modes such as the third-party payment，peer-to-peer，crowdfunding，internet banking，and internet-only bank develop rapidly though difficulties and setbacks. In the development of internet finance，the problems such as understandings，infrastructure，and risk prevention coexist with serious challenges from macroeconomic regulation and control. In 2015，with the emergence of regulatory policy，China’s internet finance will develop at an amazing speed. Mobile payment and equity-based crowdfunding will become the new hot spots，the peer-to-peer lending will accelerate its reshuffle and internet banking will seek for a new direction. Also，the traditional finance will embrace changes. As a result，the internet financial pattern as “internet+finance+industry” will come into being.