辉煌的历史往往也是沉重的包袱。随着2019年监管政策收紧，P2P行业开始“三降”（降出借人人数、降业务规模、降借款人数），陆金所被迫开始一场艰难的“去P2P化”手术。
王莉：这个问题其实还是比较清晰的，比如像华为也是一样，全世界各地都有研究中心。只要是你的团队、你的投入产生的创新，知识产权就是你的。
，这一点在迅雷下载中也有详细论述
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arXivLabs: experimental projects with community collaborators