Composite spectrum of Little Red Dot from a standard inner disk and an unstable outer disk

James Webb Space Telescope (JWST) has revealed a new class of high-redshift, very red, compact broad-line sources, termed as "little red dots" (LRDs). The physical mechanism driving these properties remains elusive. We construct spectral energy distributions (SEDs) with spectroscopic redshift for 28 LRDs and find they exhibit V-shaped SEDs with a common break frequency of $\nu_{\rm b}\simeq10^{14.96\pm0.06}$ Hz. We propose that the unique SEDs can be well explained by the combination of an inner standard disk and an outer gravitationally unstable accretion disk with Toomre parameter $Q\sim1$, where the outer disk has a temperature of $\sim2000-4000 K$ and mainly radiates in near-infrared to optical wavebands. The composite spectrum from this model naturally explains the V-shaped continuum and reproduces intrinsically luminous infrared-optical emission without requiring extreme dust extinction or unusual stellar populations. Even considering possible dense gas around the disk to account for pronounced Balmer breaks in some LRDs, the intrinsic optical-UV emission is only suppressed by factors of $\lesssim2-3$, which suggests that most LRDs are sub-Eddington and intrinsically weak. These results provide new insights into early-phase black hole growth and galaxy evolution.