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新金融的苦日子，不只是苦而已
source link: https://www.pintu360.com/a64808.html?s=8&o=0
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贷款市场是典型的分散市场，受资本金约束，贷款市场中不存在通吃的赢者。获客环节虽有集中化的趋势，但资金和风险的分散化，足以抵消获客集中化的影响，让行业处于相对健康的结构中。
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