身处这个快速变革的科技时代,预言不仅需要勇气,更需要经得起推敲的理论或论证。现在唯一不变的就是一直在变,是时下非常流行的一句话,面对新变革、新技术或者新观念我们应当常怀敬畏之心。心存敬畏之心,方能行有所止。互联网金融是我国深化金融改革、推进创新的新兴业态,并作为传统金融的有效补充,共同为中国经济发展发挥金融机构的支撑和服务作用。作为最早一批探索互联网金融,尤其网络借贷领域的从业者,我经历 In this rapidly changing science and technology era, the prophecy not only needs courage, but also needs to withstand scrutiny theory or argument. The only constant now is always changing. It is a very popular saying nowadays that we should always have awe in the face of new changes, new technologies or new ideas. Awe of heart, can only do something. Internet finance is an emerging format for deepening financial reform and promoting innovation in our country. As an effective complement to traditional finance, Internet banking plays a supporting and serving role for China’s economic development. As one of the earliest practitioners in the field of internet finance, especially in the field of internet lending, I experienced