社会公众对金融创新的理解和接受往往有一个情绪周期。互联网金融于2013年在广受瞩目中被冠以元年,仅仅三年后,因部分领域风险积聚而面临专项整治。这种起落的例子还可以找到很多,如在美国被公认为对冲利率风 The public generally have an emotional cycle of understanding and accepting financial innovations. Internet finance was crowned the first year in 2013 with much attention. In just three years, internet finance was facing special rectification because of the risk accumulation in some areas. Examples of such a rise and fall can also be found a lot, as the United States was recognized as a hedge against the wind