一直以来金融是有钱人的特权,是一种高不可及的奢侈品。但是自从进入了互联网时代之后,金融正在发生着根本性的变化,根据波士顿咨询《个人金融新格局》一书的论述,新兴互联网从业者往往会沿袭互联网或者电商的思维去思考金融,从而将原来线性的、高墙壁垒的金融草根化。互联网金融产品天生自带草根的特征,在互联网金融中,一种金融产品或者服务首先源于用户的需求,当某种 Finance has always been the privilege of the rich, is a high luxury items. But since the Internet era, financial fundamentals are undergoing radical changes. According to Boston Consulting’s “New Personal Finance Pattern,” emerging Internet practitioners tend to think financially following the thinking of the Internet or e-commerce, The original linear, high-wall barriers of financial grassroots. Internet financial products born with grassroots characteristics in Internet finance, a financial product or service first comes from the user’s needs, when a