我国互联网金融理财产品的风险与控制研究.doc

我国互联网金融理财产品的风险与控制研究 目 录 一、互联网金融理财产品的发展现状······································1 （一）产品种类增加伴随收益逐渐下滑································1 （二）业务规模不断扩大············································1 （三）客户群体年轻化··············································2 （四）互联网理财产品账户被盗案件频发······························2 二、我国互联网金融理财产品面临的风险··································3 （一）内部风险····················································3 （二）外部风险···················································4 三、我国互联网金融理财产品的风险控制·································6 （一）政府层面····················································6 1.加强监管···················································6 2.法律规制···················································6 （二）企业层面···················································7 1.加强内控管理···············································7 2.增加流动性控制·············································7 3.把握宏观经济形势············································7 4.提升互联网信息技术··········································7 （三）市场层面····················································8 1.强化自身的风险意识·········································8 2.投资者应加强学习，提高自身的金融知识素养···················8 3.用户平时应做好电脑自检·····································8 参考文献·····························································9内 容 摘 要 自从2013年互联网金融理财产品进入大众视野以来，我国金融理财市场的格局正在慢慢发生变化，互联网金融理财市场的不断发展化大，互联网金融理财产品已经由占用投资者少量闲置资金的角色成长为民众手中重要的理财手段。随着余额宝的诞生和发展，激起了国内互联网金融理财产品的发展，此后，大量的互联网金融理财产品相继诞生。随后也出现了许多问题，这些问题的出现，不仅来源于监管方面的缺失、开发机构的管控不严格，而且投资者本身知识的欠缺以及对互联网金融理财产品风险分析的不足或缺失。因此，对互联网金融理财平台及产品的风险分析与防范对策研究显得尤为重要。 关键词：互联网金融，理财平台，风险 我国互联网金融理财产品的风险与控制研究 互联网金融行业的高速发展，衍生了众筹、第三方支付、网络存取与小额信贷、网络理财等业务，并在2014年进入高峰期。随着互联网金融的发展，其规模日渐扩大，对传统金融行业产生巨大的冲击，同时也对国家的经济发展产生不可忽视的影响。尽管目前互联网金融发展过程还有很多不足之处，但就目前的金融发展趋势，我们有理由相信，未来互联网金融会占据更大的市场，成为更多人的第一选择。2013年6月，余额宝诞生，这是由国内第三方支付平台一一支付宝，打造的一项全新的余额增值服务，余额宝的出现，立刻引起人们的高度关注，不到半年时间，余额宝的用户己达到4303万人，规模达到1853亿元。余额宝也成为中国基金史上首支规模突破千亿的基金。此后，大量的余额类理财产品相继问世，丰富了我国理财产品市场。尽管最初的余额类理财产品收益甚好，但这种趋势并没有持续太久。同时也逐渐凸显出互联网理财产品的一些安全性问题，如钱财被盗，而作为理财产品最重视资金安全性，在安全