摘要随着互联网理财这一新型的理财模式兴起，各类理财产品进入用户的生活，其中就包括现在最火爆的宝宝类理财产品。宝宝类理财产品它同传统银行理财产品相比有着明显的优势，融资力度很大。但2014下半年宝宝类理财产品收益率开始呈现一路下滑之势，该趋势在2015有了短暂的升温。在巨大的利润诱惑下，越来越多的基金公司加入这一市场，宝宝类理财产品数量空前繁荣。而银行计划出台的干预措施和自身的改革，也给宝宝类理财产品的发展施加了压力。另外互联网理财本身存在的安全问题，也是亟需解决的问题。本文旨在研究宝宝类理财产品发展中遇到的种种困难，结合文献和理论知识，来分析宝宝类理财产品未来会遇到的问题，以及在面临这些问题应该采取的对策。47404

 Abstract  With the rise of the new financial model Internet finance of , all kinds of financial products into the user's life, including the most popular financial products,Baby financial products. Baby financial products have a distinct advantage compared with the traditional financial products ,it brings great financing efforts. But when in the half past of 2014, the baby class financial products is beginning to show the way down the yield trend, the trend have the short-lived warming in the begining of 2015. Under the temptation of huge profits, a growing number of fund companies to join the market, the number of financial products baby unprecedented prosperity. The bank plans to introduce interventions and reform itself, but also to the development of the baby class financial products applied pressure. Another Internet Banking security problems itself, but also need to solve the problem. This paper aims to study the difficulties baby class encountered in the development of financial products, literature and theoretical knowledge to analyze the problem baby class financial products coming encounter, and the measures in the face of these problems should be taken.

毕业论文关键词：宝宝类理财； 银行改革； 互联网安全；  余额宝

  Keyword: Baby financial; Banking reforms; Internet Security ; Balances Bao

目    录

宝宝类理财产品的发展趋势与对策研究 1

1.引言 4

1.1研究的背景及意义 4

1.2 研究内容 4

1.3 研究方法 5

1.4 技术路线 5

2. 文献综述 6

2.1关于互联网理财安全的研究 6

2.2关于宝宝类理财产品的研究 7

2.3研究中存在的问题 8

3.对互联网宝宝类理财产品的分析 9

3.1 互联网宝宝类理财产品的产生与发展 9

3.2互联网宝宝类理财产品未来的发展趋势 9

3.3互联网宝宝类理财产品的风险分析 11

4.宝宝类理财产品发展阻力分析 12

4.1由银行带来的阻力分析 12

4.1.1银行的改革措施 12

4.1.2银行进军互联网理财市场 13

4.1.3银行自身的实力 14

4.2由自身信用带来的阻力 15

4.2.1我国互联网法律安全较为空白