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| 互联网货币基金发展战略研究——以余额宝为例
摘 要
在科学技术的不断进步的当下，我国的互联网金融理财方式与产品都在逐渐增多。其便捷性使不少民众都将自己的理财方案从传统的投资产品转向当下火热的互联网理财，余额宝可谓开辟互联网理财产品的领头人，它一度成为最受欢迎的互联网理财项目之一。此篇论文系统地讲述了余额宝的产生与发展，现状，以及余额宝的竞品比较、危机和风控方法与建议。
关键词：互联网金融产品，余额宝，发展前景，商业银行，银行存款，利率
ABSTRACT
With the continuous advancement of science and technology,my country's Internet financial management methods and products are gradually increasing. Its convenience has caused many people to turn their financial management solutionsfrom traditional investment products to the current hot Internet financial management. Yu'ebao can be described as the leader in the development of Internet financialproducts, and it once became one of the most popular Internet financial projects. This paper systematically describes the emergence and development ofYu'e Bao, its current situation,and the comparison of Yu'e Bao's competing products, crisis and risk control methods and suggestions.
Key Words: Internet financial products, Yu'ebao,development prospects, commercial banks, bank deposits, interest rates
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