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余额宝以其便利和诱惑激起层层波浪,成为当下经济金融热门话题.这并不奇怪,有利益的地方就有争议,利益越大,争议越大.余额宝的发展速度是惊人的,不到半年,规模就突破4000亿元,客户超过6100万.这种速度是包容性金融政策和市场力量共同作用的结果,正是管理当局的包容以及多元化的金融需求,才造就了互联网金融的高速成长.关...