我国余额宝的风险与防范研究

发布时间：2018-05-13 20:00

本文选题：余额宝 + 互联网理财产品　；参考：《辽宁大学》2014年硕士论文

【摘要】：2013年6月17日，阿里巴巴借助其旗下第三方支付平台支付宝，成功推出了余额宝这一具有跨时代意义的互联网金融理财产品。它将电子产品与货币基金进行组合，使得它具有银行，传统基金产品及其他理财产品所不具有的优点。它便捷，新颖，收益高且直观，操作简单，T+0提现模式更便于资金周转，此产品一经推出，受到了广大年轻用户的喜爱。截至2013年12月31日，余额宝客户数已达到4303万人，，规模1853亿元，户均持有额已达到4307元。而推出这一互联网理财产品的巨大成功不仅成就了阿里巴巴集团和原先名不见经传的天弘基金，还在中国的经济浪潮中掀起了不小的风波。对银行，基金公司等传统金融行业造成了不小的影响。但是，作为一种全新的，在国内前所未见的互联网理财产品，他的风险一定是存在的，而现阶段，大多数用户对于余额宝的追捧是基于对支付宝的信任，他们其中的大部分对余额宝存在的各种风险并不了解。因此，本文依据文献查阅法及资料分析法、案例分析法、比较分析法及现状分析和前瞻性分析相结合的研究方法。从根本入手，深入剖析余额宝的本质，并结合现阶段不断更新的余额宝的运行情况和数据，全面分析余额宝对其他相关因素，包括商业银行、基金公司、支付宝及淘宝网、腾讯微信、其他金融理财产品及监管部门的相互影响。并且对美国PayPal货币基金，这一与余额宝相同的美国互联网理财产品经历10年辉煌，最终由于美国政策性变革，导致PayPal货币基金以清盘告终的经历进行风险分析，通过这一典型案例，以及对余额宝本质的了解及经济大环境的研究，对余额宝现已存在或潜在的各方面风险及形成原因进行分析。包括网络信息技术导致的技术风险、余额宝业务特征导致的业务风险等，并根据其种类，形成原因，出现的可能性和影响经济的程度提出相应的风险防范与治理措施。其中包括互联网技术系统的基础建设和技术的提高，我国互联网金融监管部门对于其法律体系的建设和规范，个人信用及社会信用体系的建设等几个方面进行探讨和完善。
[Abstract]:On June 17, 2013, Alibaba successfully launched Yu'e Bao, a cross-era Internet financial management product, with the help of its third-party payment platform Alipay. It combines electronic products with money funds, giving it advantages that banks, traditional fund products and other wealth management products do not. It is convenient, novel, high income and intuitive, easy to operate T0 cash flow, this product once introduced, by the majority of young users like. As of December 31, 2013, the number of Yu'e Bao customers has reached 43.03 million, the scale of 185.3 billion yuan, the average household holding has reached 4307 yuan. The huge success of the Internet wealth management product has not only made Alibaba Group and the previously unknown Tianhong Fund, but also set off a big storm in China's economic wave. To the bank, fund company and other traditional financial industry has caused no small impact. However, as a brand new Internet wealth management product that has never been seen before in China, its risks must exist. At this stage, most users' pursuit of Yu'e Bao is based on their trust in Alipay. Most of them do not understand the risks of Yu'e Bao. Therefore, according to literature review and data analysis, case analysis, comparative analysis and current situation analysis and prospective analysis combined research methods. From the fundamental point of view, the essence of Yu'e Bao is deeply analyzed, and combined with the operation and data of Yu'e Bao, which is constantly updated at this stage, the comprehensive analysis of Yu'e Bao's impact on other relevant factors, including commercial banks, fund companies, Alipay and Taobao, Tencent WeChat, other financial and financial products and regulatory interaction. And the US PayPal Monetary Fund, a US Internet wealth management product similar to Yu'e Bao, experienced a resplendent period of 10 years. Finally, as a result of the policy changes in the United States, the US PayPal Monetary Fund ended in liquidation with a risk analysis. Through this typical case, as well as the understanding of the essence of Yu'e Bao and the study of the economic environment, this paper analyzes the existing or potential risks of Yu'e Bao and the reasons for its formation. It includes the technical risk caused by network information technology and the business risk caused by Yu'e Bao's business characteristics, and puts forward corresponding risk prevention and management measures according to its type, forming reason, possibility of appearing and degree of affecting economy. It includes the infrastructure construction and technical improvement of the Internet technology system, the construction and standardization of its legal system, the construction of personal credit and social credit system and so on.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.39

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