互联网理财产品风险状况及问题分析-以余额宝为例

互联网理财产品风险状况及问题分析-以余额宝为例(论文7200字)
摘要：在大数据时代背景下，云计算和互联网的完美融合，新兴的互联网金融应运而生。在被称为中国的互联网金融元年的2013年，阿里巴巴旗下的支付宝公司推出了余额宝产品，其以独特的优势在互联网理财市场中占有一席之地。在这一年中，无论是互联网理财产品，第三方支付平台，还是P2P、还是众筹，都在蓬勃发展，引起整个金融业的动荡和变革。与此同时，曾被忽视的技术风险、应用风险、道德风险等问题也开始逐步地暴露在众人的视野中，从而引发了一系列的 P2P“跑路”事件和非法集资事件。本文以余额宝为例，指出了互联网理财市场行业现状暴露的弊端，从多方角度给出了合理化的建议。将宏观微观相结合，用实践检验出真理，在保障投资者的合法权益的同时，促进互联网经济的发展，创造更丰厚的利润收益。

关键词：互联网；金融；理财产品

The Benefit and Problem Analysis of Mutual Gold Products based on Yu’ebao

Abstract:Under the background of big data era, the perfect integration of cloud computing and Internet, emerging Internet finance came into being. In 2013 known as the first year of China's Internet financial, alibaba's pay treasure company launched a balance treasure products, for its unique advantages in the Internet market place. In this year, whether it is Internet wealth management products, third-party payment platforms, P2P or crowdfunding, all are thriving, causing turmoil and change in the whole financial industry. Was ignored at the same time, the technology risk, risk, moral risk and other issues also began gradually exposed in the field of vision, which led to a series of P2P "run" and illegal fund-raising events. Taking yuebao as an example, this paper points out the disadvantages of the current situation of the Internet financial market and gives some reasonable Suggestions from various angles. By combining macro and micro, we can test the truth by practice and promote the development of the Internet economy while protecting the legitimate rights and interests of investors, thus creating more profitable profits. [资料来源：http://THINK58.com]

Key words:Internet;Financial;Finance Products

目录
摘要    1
Abstract    1
前言    2
一、互联网金融的理论基础    2
（一） 基本概念    2
（二） 国内对互联网金融的理论研究    2
（三） 国外对互联网金融的理论研究    2
二、互联网理财产品风险状况及问题分析    3
（一）互联网理财行业现状及问题    3
（二）互联网理财监督现状及问题    4
三、案例分析—余额宝    5
（一）余额宝概念    5
（二）余额宝的发展前景分析    5
（三）目前余额宝出现的问题    6
四、互联网理财产品的收益问题研究对策    6
结论    7
注释    7
参考文献    8 [资料来源：http://think58.com]