在當(dāng)今社會，隨著經(jīng)濟的快速發(fā)展和人們對財富增長需求的不斷提升，理財已成為許多人關(guān)注的焦點。然而，在眾多投資方式中，有一種新興趨勢正在逐漸嶄露頭角——啟動財富增長的秘密。

這個“秘密”并非神秘莫測、遙不可及，相反它是一個實打?qū)嵈嬖谇揖唧w操作方法清晰明了的概念。那就是金融科技（Fintech）所帶來的創(chuàng)新理念與工具。近年來，隨著互聯(lián)網(wǎng)技術(shù)以及大數(shù)據(jù)分析等領(lǐng)域持續(xù)進步, 金融科技正日益深入各行業(yè)，并給傳統(tǒng)金融模式帶來翻天覆地變化。

首先說到P2P網(wǎng)絡(luò)借貸平臺（Peer-to-Peer lending），這種基于互聯(lián)網(wǎng)開發(fā)起來直接撮合出借方和借款方之間資金交易服務(wù)方式受到廣泛追捧。通過P2P平臺進行投資可以規(guī)避銀行利率過低導(dǎo)致收益下降問題，并且能夠靈活選擇項目期限、風(fēng)險偏好等因素進行定制化配置。

其次依托區(qū)塊鏈技術(shù)建立起來加密貨幣市場也備受推崇。“數(shù)字黃金”比特幣作為最早誕生并得到應(yīng)用較廣泛代表性虛擬貨幣引領(lǐng)了全球范圍內(nèi)數(shù)字加密貨幣流通支付系統(tǒng)構(gòu)建運轉(zhuǎn)機制革命性改變；同時其他如以太坊、Ripple等品類加密電子現(xiàn)象針對更專門功能設(shè)定滿足用戶需求。(Blockchain technology-based cryptocurrency market is also highly praised. "Digital gold" Bitcoin as the earliest and widely used representative virtual currency has led a revolutionary change in the construction of global digital encrypted currency circulation payment system operation mechanism; at the same time, other categories such as Ethereum, Ripple and so on are set for more specialized functions to meet user needs.)

再者值得注意還有Robo-Advisor(機器顧問) 的興起。顧名思義即由計算機程序自動執(zhí)行股票買賣決策從而取代傳統(tǒng)手工操作減小信息誤差落后情況根據(jù)客戶預(yù)置條件匹配優(yōu)選組合或調(diào)整達效果目標結(jié)果。（The rise of Robo-Advisors is also worth noting. As the name implies, it automatically executes stock trading decisions through computer programs to replace traditional manual operations and reduce information errors or backward situations according to customer preset conditions matching preferred combinations or adjustments achieve effective results.)

除此之外，“量化交易”，即利用數(shù)學(xué)模型和計算能力去找出價格走勢規(guī)律獲取高額回報同樣被認為未將成重要必勝法寶。(In addition,"quantitative trading", which uses mathematical models and computational capabilities to find price trends rules for high returns,is considered an important winning weapon that will be won.

總結(jié)言之，在當(dāng)前形勢下我們看見摻雜著挑戰(zhàn)但無疑飽含契機前景美好令人欣喜尤其時空窄息跨界共享單車企業(yè)家故事真知識涉及面愈顯復(fù)雜糾纏錯綜復(fù)雜度你我身處其中謹記別失信心保持警惕抓緊行穩(wěn)臻幸福安康！