隨著物聯網領域的迅猛發展，關於物聯網金融的討論也越來越多。物聯網金融能够憑藉大量且全面的訊息形成一個相對客觀的信用體系，也會使風險控制方法變得更加可靠、更加有效率。基於此，更好的信貸模式和風險控制模式將被建立起來。
物聯網技術和金融深度融合後，能夠讓金融業的服務體驗獲得提升。得益於物聯網技術，金融業可降低運營成本，將資金流、資訊流、實體流實現合一，進而更有效地控制風險，更精準地進行定價。諸如銀行、保險、投資等眾多金融領域的原有模式將會被物聯網所改變，我們將會看見金融業出現又一輪革新。
本文通過討論物聯網金融的實際應用案例，展望物聯網金融未來發展的趨勢，結合實踐對物聯網金融的發展進行反思。

As the rapid development of Internet of things(IoT) field, IoT finance has been exposured. The IoT can make credit system relatively objective through massive and comprehensive data. Thus the reliability and efficiency of risk management method will be improved. Based on this, a better model of credit and risk management will be established.
The deep integration of IoT technology and finance enables improvements to the service experience. Relying on the IoT technology, finance industry can reduce the operating cost, realize the unity of capital flow, information flow and entity flow, so as to control the risk more effectively and price financial products more accurately. The original model of banking, insurance, investment and many other financial fields will be profoundly transformed by IoT . We will experience another revolution in financial industry.
Through discussing the business cases of IoT finance application, we can have a practical understanding of the IoT finance future trend.

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