最近几年间出现在个人理财市场上的各类“宝宝”们,既是互联网金融大潮的排头兵,成功地完成了一次普及式的市场教育行为,又在事实层面,撬动了金融行业对于以互联网为代表的种种新技术、新模式、新渠道的全面接纳甚至迎合,并激发了一波规模空前的全民理财热潮。 In recent years, all kinds of “baby” people appearing in the personal financial market have not only served as the vanguard of the Internet financial turmoil but have successfully completed a universal market education. In fact, All kinds of new technologies, new models and new channels, represented by the Internet, have even been accepted and even catered for and have stimulated a wave of universal financial craze.