{"resolved":true,"match_type":"uuid","source_type":"original_book","book_id":"07d591c2-0f4c-45ac-a1d7-103c4807db8f","title":"数字经济：内涵与路径","author":null,"edition":null,"publisher":null,"year":null,"isbn":"9787521745023","requested_by":"printed_page","book":{"source_type":"original_book","book_id":"07d591c2-0f4c-45ac-a1d7-103c4807db8f","id":"07d591c2-0f4c-45ac-a1d7-103c4807db8f","uuid":"07d591c2-0f4c-45ac-a1d7-103c4807db8f","title":"数字经济：内涵与路径","normalized_title":"数字经济内涵与路径","author":null,"edition":null,"publisher":null,"year":null,"isbn":"9787521745023","isbns":["9787521745023"],"parsed":true,"ai_readable":true,"document_type":"book","page_count":361,"navigation_url":"https://workshop.closeclaw.top/ai/book/07d591c2-0f4c-45ac-a1d7-103c4807db8f","title_url":"https://workshop.closeclaw.top/ai/title/%E6%95%B0%E5%AD%97%E7%BB%8F%E6%B5%8E%EF%BC%9A%E5%86%85%E6%B6%B5%E4%B8%8E%E8%B7%AF%E5%BE%84","fixed_page_url_template":"https://workshop.closeclaw.top/ai/book/07d591c2-0f4c-45ac-a1d7-103c4807db8f/page/{printed_page}","path_api_url_template":"https://workshop.closeclaw.top/api/ai/book/07d591c2-0f4c-45ac-a1d7-103c4807db8f/page/{printed_page}","read_url":"https://workshop.closeclaw.top/api/ai/read/07d591c2-0f4c-45ac-a1d7-103c4807db8f","page_url":"https://workshop.closeclaw.top/api/ai/books/07d591c2-0f4c-45ac-a1d7-103c4807db8f/page","search_url":"https://workshop.closeclaw.top/api/ai/books/07d591c2-0f4c-45ac-a1d7-103c4807db8f/search"},"page":{"printed_page":237,"pdf_page":236,"physical_index":236,"physical_index_base":0,"printed_page_status":"recognized","page_sha256":"e22bf3673df08a6a80fe5ca832415b6bbdbb4114513833f4d3f0ad90cf276ef2"},"chapter":"第七章","content":"总体而言，基于新科技、新技术的数字金融新趋势正在形成，在新发展形势下，多样化的参与主体、业务模式、服务方式，将为我国带来由表及里的更新和变革。数字金融经历了几年的快速发展，市场体量不断扩大。特别是互联网技术发展和场景应用丰富，细分领域越来越多，客群范围逐渐向下沉市场覆盖已初见成效，但这仅是起步和奠基时代。未来，由技术升级带来的数字化转型进程还将进一步加速，我国金融业也将进入整体数字化转型升级时期。\n\n（二）数字金融领域曾经的风险爆雷\n\n中国的数字金融在前期发展迅速，规模快速扩张，代表了中国金融一定的国际竞争力。但我们也要清醒地看到，在快速发展的过程中，数字金融的风险和问题也在不断暴露。从P2P爆雷到校园贷、现金贷等，沉渣泛起、良莠不齐。\n\n1. P2P\n\nP2P本质是信息中介，与作为信用中介的传统金融机构有根本区别。P2P交易模式诞生于欧美，本来仅是针对特定范围的小众商业模式，但是2006年传入我国后，打着金融创新的旗号，有所变质。总结\n\n237","previous_page":236,"next_page":238}