对传统金融业和互联网业而言,思维不同所反映出的是两个行业本身特性与多年来行业发展规律的不同。对传统金融机构来说,“用户+云+端”的思维可能显得过于抽象和简化,给人不知从何入手的感觉;而对互联网公司来说,价值链的思维可能显得过于陈旧和繁琐。但从长远来看,两种思维的相互尊重和理 For the traditional financial industry and the Internet industry, the difference in thinking reflects the differences between the two industries themselves and the law of industrial development over the years. For traditional financial institutions, the thinking of “user + cloud + end” may seem too abstract and simplistic, giving people a sense of where to start; for the Internet company, the thinking of the value chain may appear too old and Tedious. But in the long run, mutual respect and rationality of the two kinds of thinking