本篇论文目录导航：
【题目】互联网金融理财业务风险探究
【第一章】
互联网金融理财风险监管研究导论
【第二章】
互联网金融与余额宝的产生
【第三章】
余额宝发展中存在的风险
【第四章】
余额宝的规范和风险防控
【结论/参考文献】
互联网金融理财产品风险防范研究结论与参考文献
摘 要
互联网金融是依托于互联网工具，实现资金融通和支付等金融业务的一种新兴金融，是传统金融与互联网技术融合创新的新型金融业务。互联网金融包括第三方支付平台、P2P等互联网投融资平台以及余额宝等互联网理财产品。
余额宝于2013年6月13日上线并投入使用，它是由第三方支付平台为个人用户打造的一项余额增值服务。由于其“一元准入”的低门槛，广大中低收入人群纷纷开始使用这一服务，自此以余额宝为代表的互联网金融理财业务广泛的进入大众视野。余额宝提高了用户闲置资金的收益率，给相关机构和企业创造了盈利，同时也分流了商业银行相当规模的活期存款和降低了理财产品认购量。与此同时，余额宝吸收了大规模的资金，其业务规范和风险防控尤为重要。由于余额宝是新型互联网金融业务，互联网金融具有互联网和金融的双重属性，其风险控制和规范都不同于传统金融。因此并没有现成的监管体系和法律法规可保障其安全，这需要支付宝公司和相关监管部门采取相应的措施。以余额宝为代表的互联网金融理财业务存在哪些风险，如何对这些风险作出有效防控，是本文论述研究的重点。
本文第一章导论，介绍了研究余额宝这一互联网金融理财产品风险及防控的现实背景，并对现有的互联网金融理财业务的研究情况作了简要评述。第二章笔者先对互联网金融作了定义，并研究了互联网金融的几个显着的特点。在此基础上，对目前存在的几种互联网金融模式分别进行了分析研究。最后对本文研究重点--余额宝的产生进行了详细阐述，并分析了余额宝所作出的金融创新。第三章笔者主要研究了余额宝在实际的商业经营中所存在的风险。根据风险来源的不同将其分为以下五类，即互联网技术风险、业务风险、市场风险、法律风险、政策和监管风险。在第四章针对前述的几类风险，从风险的来源和涉及的主体出发，研究了相对应的风险防控方法。第五章对余额宝存在的风险和风险防控措施及监管办法做了总结，并对余额宝等互联网金融理财业务的发展前景作了展望。
关于余额宝等互联网金融理财业务的风险及防控这一主题已有的研究成果中，对其存在的风险研究不够全面，对余额宝风险防控的研究也比较简略。本文写作的创新点就在于系统的分析了余额宝所存在的风险和对其风险的防范和监管。由于余额宝等互联网金融理财产品出现的时间较短，各种风险的产生以及对我国金融的影响也只有暂时表现出来的，缺乏长期确切数据提供依据，这都是本文不足所在，留待以后研究。
关键词：互联网金融 余额宝 风险防控
Abstract
Internet financial is a new financial which is relying on the Internet to realize financing,payment and other financial business. It is a new type of financial business which combinestraditional financial and Internet technology. The Internet financial includes the third-partypayment, P2P investment and financing platform and the Internet financialwealth management services and so on.
June 13, 2013, Yu'ebao has formally launched and put into use. It is a balance ofvalue-added services for individual users by third-party payment platform. Due to itslow barriers to entry by “one yuan admission”, the majority of low-income people started touse this service. Since then, the Internet financial represented by Yu'ebao has widely intothe public view. It has improved the rate of return for users' idle funds, created profits forthe relevant institutions and enterprises, but also diverted considerable size demanddeposits of commercial bank and reduced the subscription amount of financial products. Atthe same time, since Yu'ebao has absorbed massive funds, its business rules and risk controlis particularly important. Because Yu'ebao is a new type of Internet financial that has thedual attributes of Internet and finance, the risk control and the standard is different from thetraditional financial. Therefore, there is no regulatory system and legal regulations to ensuretheir safety, which needs Alipay and the relevant regulatory authorities to take appropriatemeasures. This paper forces on the risks of the Internet financial business which takesYu'ebao as a represent and how to make effective prevention and control of these risks.
The first chapter of this paper introduces the background of Yu'ebao's risks andcontral, and has a briefly reviewed on the current Internet research. The second chapter isbased on the basic theory of Internet financial to analyze the several different developmentmodels of Internet financial, summarize the several characteristics of the Internet financialand conclude the produce of Yu'ebao and its financial innovation. The third chapteranalyzes the risks in the process of operation, and classified the risks into five categories: Internet technology risk, market risk, operational risk, legal risk, policy and regulatory risk.The fourth chapter, according to the several kinds of risk, puts forward the correspondingmethod of risk prevention and control from the perspective of risk sources and the subject.The fifth chapter makes a summary of the risks of Yu'ebao and control measuresand supervision measures, and the prospects for the development of Yu'ebao andother Internet financial business.
Research on the theme of the risk and control of Yu'ebao and other Internetfinancial business is lack of comprehensive research and is relatively simple. Theinnovation of this paper is analyzing the risks of Yu'ebao and prevention and supervision.Since Yu'ebao and other Internet financial products appeared in short time, all kindsof risks and the impact on Chinese financial is only temporarily, which makes the lack oflong-term data to provide exact basis. This is also the problem of this paper for furtherstudies.
Key words: Internet financial business; Yu'ebao; the risk prevention and control
目 录
一、导论
（一）研究背景及研究意义
1、研究背景
2、研究意义
（二）研究现状述评
（三）本文总体结构
（四）本文的研究方法
（五）本文的创新与不足
1、本文的创新
2、本文的不足
二、互联网金融与余额宝的产生
（一）互联网金融的定义及特点
1、加速金融脱媒
2、参与者的平民化
3、运行的高效率
4、交易成本的低廉
（二）互联网金融的发展模式
1、第三方支付
2、互联网投融资平台
3、互联网金融理财
（三）余额宝的产生及其金融创新
1、余额宝业务流程
2、余额宝的主要特点
3、余额宝实现的金融创新
三、余额宝发展中存在的风险
（一）技术风险
（二）业务风险
（三）市场风险
（四）法律风险
（五）政策和监管风险
四、余额宝的规范和风险防控
（一）加强余额宝的互联网技术风险监管
（二）加强余额宝的业务风险监管
（三）提高余额宝等互联网金融理财产品的市场竞争力
（四）尽快制定针对余额宝等互联网金融理财业务的专门法律
（五）完善对余额宝等互联网金融理财业务的政策监管
五、结论与展望
（一）结论
（二）展望参考文献
致 谢
