互联网金融理财产品余额宝的发展研究

摘要在当下，随着互联网的发展，“互联网+”的逐步运行，金融理财产品会被越来越多的人所认识。互联网的快速发展，导致其市场可能不完善。所以，本文通过采取一些方法，比如：文献分析法、数据分析法、案例分析法和对比分析法等，来进一步了解互联网金融理财产品市场的运行，了解互联网金融理财产品的含义、发展现状等，从而认识到一个健康的互联网金融市场对其产品发展的重要性。本文从天弘基金官网和中国数据电子商务中心等地方搜集了不少数据，来分析互联网金融理财产品的发展现状和影响因素，并对其进行研究。其中，以“余额宝”为案例进行了重点分析。通过本文的分析研究，得出了一些对金融市场的监管方面和发展方面的相关建议，以便能够为金融市场的健康发展贡献自己的一份力量，从而能够使互联网金融市场遇到的问题得到相应的解决，并通过政府、商家和个人的努力，共同为互联网金融理财产品的市场提供一个健康的环境，从而使互联网金融可以在健康中快速发展。49663
关键词:互联网金融；互联网金融理财；余额宝；发展现状；风险监管
The development of the Internet financial productsresearch——the balance of the treasureAbstractIn the present, with the development of the Internet, The Internet banking marketis more and more popular, and more and more people pay attention to Internetfinancial products.The rapid development of Internet lead to the market that may not be perfect. Inthis paper, through some methods, such as literature analysis, comparative analysis,case analysis, mapping method and data analysis, to further understand the Internetfinancial products market and the meaning of Internet financial products, in order torealize the importance of a healthy Internet financial market for its productdevelopment. This article from Celestica fund’s official website, the other fund’sofficial website, the official website of the bank, the commercial center of Chinaelectronics and other places to collect a lot of data that the current situation of thedevelopment of financial products on the Internet. Through analysis and study of thispaper, some of the regulation of financial markets and development suggestions canbe found, so that they can contribute an own strength for the healthy development offinancial markets, thus the Internet problems in financial markets can be solved, andthrough the efforts of the government, businesses and inpiduals, financial productsfor the Internet market together to provide a healthy environment, which makes theInternet financial healthy.
KeyWords：Internet financial; Internet financial services; The balance of the treasure;Current situation of the development; Risk regulation

摘要.I

AbstractII

目录.. III

一、导论. 1

（一）选题背景.... 1

（二）研究意义与目的. 3

（三）文献回顾.... 3

（四）研究内容与方法. 4

（五）创新点与不足.4

二、互联网金融的理论分析...4

（一）互联网金融的概念与种类4

（二）金融理财产品的概念... 5

（三）网络理财的概念. 6

（四）网络理财与传统理财的区别 7

（五）互联网金融理财的意义....8

三、金融理财产品的发展现状... 8

（一）电商平台理财产品的发展现状. 8

（二）理财产品的发展对商业银行的影响.12

四、互联网理财产品的案例分析（以余额宝为例）....13

（一）余额宝的概念与特征. 13

（二）余额宝的功能与性质. 13

（三）余额宝的运行机制 14

（四）风险成因.. 14

（五）余额宝的SWOT 分析... 14 互联网金融理财产品余额宝的发展研究:http://www.youerw.com/jingji/lunwen_52719.html