互联网金融的核心在于场景,例如小额分散的消费贷采用线上效率最高、成本最低,但基于大数据逻辑和O2O的线上线下相结合的方式,也是互联网金融的核心方式。从金融的场景化的角度来说,互联网金融是由供应链与消费金融两个部分组成的,这是我的观点。对于互联网金融企业来说,对于场景的把握十分重要,场景化的模式使得获客更简单,成本也更低。以第1车贷为例,在车贷领域,尤其是二手车交易领域中,最大的需求方是交易群体,如果我们能提 At the heart of Internet finance is the scene. For example, consumer loans that are small and distributed are the ones that use the highest online efficiency and the lowest cost. However, the combination of big data logic and online and offline O2O is also the core method of Internet finance. From a financial scene perspective, Internet finance is composed of supply chain and consumer finance. This is my point of view. For Internet financial companies, for the grasp of the scene is very important, scene-oriented model makes it easier for customers, the cost is lower. Take the first car loan for example, in the field of car loan, especially in the field of used car transaction, the largest demand side is the trading group. If we can mention