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制度经济学里有一句名言:交易先于制度,意思是说先有交易,通过交易发现问题,然后再制订规范。摄影/刘奔作为一种虚拟的金融中介,互联网的好处是显而易见的:它的交易成本很低但交易效率很高,并且可以同时满足多人交易。所有这些在传统银行里是不可能实现的。典型的例子就是马云做的余额宝。马云将支付宝与货币基金联系在一起做成余额宝,钱放在里面既可以即时交易,还可以有不错的收益。李彦宏看到眼红了,所以百度也做了类似的东西。预计2014年会有更多的资源进入这一领域,那么未来怎么看待这种基于互联网的虚拟金融中介
There is a famous saying in institutional economics that transactions precede the system, meaning that transactions are traded first, problems are discovered through transactions, and then the rules are formulated. Photography / Liu Ben As a virtual financial intermediary, the benefits of the Internet are obvious: its transaction costs are low but transactional efficiency is high and it can simultaneously satisfy multi-player transactions. All of this is impossible with traditional banks. A typical example is Ma Yun Yu balance treasure. Ma will Alipay and the Monetary Fund linked together to make balance Bao, money placed in it both for real-time trading, you can also have a good income. Robin Lee saw jealous, so Baidu has done a similar thing. It is expected that in 2014 there will be more resources to enter this area, then how to think of this Internet-based virtual financial intermediary