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或许我们应该从美国对互联网金融看似保守的监管理念和模式中获得些许反思。在一般的认识中,中国的市场似乎更强调监管的作用,而大洋彼岸的美国则更崇尚自由的精神。但这一点在互联网金融领域好像发生了反转。如今,对于中国的年轻人而言,钱包如同手表、围巾一样其实用价值正在被越来越弱化,更多成为了一种配饰。扫一扫或者摇一摇等更时尚的行为正在取代从“排出几个大钱”这样的土豪模式,成为中国人经济行为的主旋律。然而,在大洋的另一端,一直被视为金融大
Perhaps we should get some reflection from the United States’ supervisory philosophy and model of seemingly conservative Internet finance. In a general sense, the Chinese market seems to place more emphasis on regulation, while the United States on the other side of the Atlantic is more advocating the spirit of freedom. But this seems to have reversed in the area of Internet finance. Now, for young people in China, wallet, like watches, scarves, its practical value is being weakened more and more become more of an accessory. Sweeps or shakes and other more fashionable acts are replacing the local tycoon model of “draining a few big bucks” from "becoming the main theme of Chinese economic behavior. However, on the other side of the ocean, it has always been regarded as financial big