余额宝发展的风险研究

发布时间：2017-12-28 19:30

本文关键词：余额宝发展的风险研究　出处：《湖南农业大学》2015年硕士论文　论文类型：学位论文

【摘要】：改革开放三十余年,我国经济社会取得了举世瞩目的成就,互联网行业和金融行业不断走向深化。在这样的背景下,以余额宝为代表的互联网金融应运而生。互联网金融是一种新金融模式,具有普惠性、平台金融、信息化、碎片化、多样化、低成本、配置高效等特征。余额宝作为互联网金融的一个缩影,既诞生于互联网金融的发展过程中,又反过来推动着互联网金融的进步与发展。余额宝本质上是货币基金嵌入互联网平台进行销售的一种新金融模式,除具有互联网金融的普遍特征外,还具有便捷性,高收益,时效性,低门槛等特征。支付宝原有的庞大客户群与海量的交易数据为余额宝发展提供了足够的平台资源,是推动余额宝迅速发展的内部动因；市场利好,互联网技术的不断进步,金融行业和互联网行业的深化,政策的支持是余额宝发展的外部动因。互联网资源的有限性,信用优势有限,巨额的资金管理压力成为了余额宝进一步发展的主要瓶颈。与此同时,余额宝发展面临法律制度不完善的政策风险,收益波动与同行竞争的市场风险,运营模式的流动性风险和互联网安全的技术风险。为有效应对余额宝发展的风险,作为监管主体的政府,运营主体的余额宝,受益和风险承担主体的投资者应当采取相应策略,共同规避余额宝发展的风险。政府方面,需要建立健全互联网监管制度和完善相差法律法规；余额宝方面应当加强风险管控,开发多元化的产品体系,加强与其他互联网金融行业的合作,规范化制度化运营模式；投资者则需要理性看待余额宝收益与风险的关系,提高自身的理财知识水平。
[Abstract]:After more than thirty years of reform and opening up, China's economic and social achievements have made remarkable achievements, and the Internet industry and the financial industry are constantly deepening. In this context, the Internet finance, represented by the balance treasure, came into being. Internet finance is a new financial model, which has the characteristics of general benefits, platform finance, information, fragmentation, diversification, low cost, high efficiency and so on. As an epitome of Internet finance, the balance treasure is born in the development process of Internet finance, and in turn promotes the progress and development of Internet finance. Balance treasure is essentially a new financial mode of IMF embedded in the Internet platform for sale. Besides the universal characteristics of Internet finance, it also has the characteristics of convenience, high yield, timeliness, low threshold and so on. The original Alipay transaction data of large customer base and huge treasure for the balance of development provides enough platform resources, is the internal cause to promote the rapid development of the balance of treasure; good market, the development of Internet technology, the deepening of the financial industry and the Internet industry, policy support is external reason of the balance of treasure development. The limited Internet resources, the limited credit advantages, the huge pressure of capital management has become the main bottleneck for the further development of the balance treasure. At the same time, the development of balance treasure is facing the policy risk of imperfect legal system, the market risk of Earnings Fluctuation and peer competition, the liquidity risk of operation mode and the technological risk of Internet security. In order to effectively cope with the risk of the development of the balance treasure, the government as the main body of supervision, the balance treasure of the main body of operation, the investors who are benefiting and undertaking risk should take corresponding strategies to avoid the risk of the development of the balance treasure. The government, the need to establish a sound regulatory system and improve the difference of Internet laws and regulations; the balance of treasure should strengthen the risk management, the development of diversified products and other Internet financial system, strengthen the cooperation of the industry, standardized operation mode; investors need to look at the balance of treasure rational relationship between income and risk, improve their financial knowledge the level of.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.2

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