互联网金融理财产品的风险分析

随着我国经济水平的不断提高，我国居民收入不断增加，同时，居民的可支配收入也不断增加，传统的理财产品越来越不能满足人民日益增长的需要。在互联网技术不断提升，以及金融体系不断完善的前提下，越来越多的互联网金融理财产品开始走入人们的视野。本文的目的在于对目前我国存在的互联网金融理财产品进行全面的风险分析，并且以余额宝为例，对其收益率波动性风险进行分析，同时结合相关案例实证分析了互联网金融理财产品的安全性和流动性风险，根据研究结论给出相应的应对措施。
 

关键词: 互联网； 理财产品； 风险分析； 应对措施
                                                        
Risk analysis of Internet financial products.

Abstract: With the continuous improvement of our economic level. China's resident income is increasing. At the same time， the disposable income of the residents is also increasing， and the traditional wealth management products are increasingly unable to meet the growing needs of the people. With the continuous improvement of Internet technology and the continuous improvement of the financial system， more and more Internet financial products are coming into view. The purpose of this paper is to carry out a comprehensive risk analysis of the existing Internet financial wealth management products in China. And taking yu 'ebao as an example， to analyze the risk of volatility of its yield， At the same time， the safety and liquidity risk of Internet financial products are analyzed in combination with relevant cases， and corresponding countermeasures are given according to the research conclusion.

Key words:  Internet；Financial products；Risk analysis；Response

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