余额宝存在的风险及对策研究

近年来，由于货币市场的飞速发展，以互联网支付为代表的金融模式---“互联网金融”应运而生。基于互联网金融发展的背景下，本文采用了文献分析法、定性和定量分析法、文本细读法、综合比较法等研究方法，对余额宝的存在之于整个互联网金融发展的影响及其所面临风险的对策研究，指出余额宝不可避免的面临着如市场风险、流动性风险、技术风险等多风险的阻碍，包括相关政策与经营等风险的制约。故给出相关个人意见，包括拓余额宝应拓宽消费者市场；突破自身的技术瓶颈，增加金融创新；控制自身所存在的风险问题；以客户为本的经营方式等，提高其市场竞争力。

关键词：互联网金融；余额宝；金融风险；金融创新
 
Study on the risk and Countermeasures of the existence of the balance treasure

Abstract：In recent years, due to the rapid development of the money market, Internet finance, represented by the Internet payment, has emerged as the financial model.Based on the background of Internet financial development, this paper adopts the methods of literature analysis, qualitative and quantitative analysis, text fine reading, comprehensive comparison, and other research methods, such as the influence of the existence of the balance treasure on the whole Internet financial development and the Countermeasures of the risks faced, and point out that the balance treasure is inevitably faced with the problems. Market risk, liquidity risk, technology risk and other risk barriers, including related policies and operations and other risk constraints. Therefore, some personal opinions are given, including expanding the balance of the consumer market in Baoying, breaking through its own technical bottlenecks, increasing financial innovation, controlling the risk problems of its own, and improving its market competitiveness by customer based management.

Key words: Online Finance;The Balance of The Treasure;Financial Risk;Financial Innovation

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