本科论文摘 要我国互联网金融市场处于快速发展阶段，越来越多投资者通过互联网平台购买理财产品，互联网金融理财产品广泛受到市场欢迎，同时一些风险也渐渐地凸现出来，给我们带来警示。本文主要探讨研究互联网金融理财产品面临的各种风险因素与风险防范对策。这个市场最期望的是风险和收益达到一种平衡状态，即防范控制各种风险以实现最大可能收益。通过列举并分析各种风险还有规避风险的方法，继而提出风险防范的可行性研究。本文选择以互联网金融理财产品的典型代表余额宝为例，把相关理论研究与自己的日常使用与观察相结合，分析研究其特点、目前存在的困境以及潜在的风险而从中得到如何对互联网金融理财产品进行风险防范的启示。然后从监管者、经营者、消费者三个方面分析得出对互联网金融理财产品风险防范的建议对策。关键字：互联网金融理财，余额宝，风险防范本科论文AbstractChina's Internet financial market is in the stage of rapid development. More and more investors buy financial products through the Internet platform. Internet financial products are widely welcomed by the market. At the same time, some risks are gradually emerging, which brings us warnings.This paper mainly discusses various risk factors and risk prevention countermeasures of Internet financial products. What this market expects most is that the risk and the income reach a balance state, that is, to prevent and control all kinds of risks to achieve the maximum possible income. By listing and analyzing all kinds of risks and ways to avoid them, the feasibility study of risk prevention is put forward.Taking Yu'ebao, a typical representative of Internet financial products, as an example, this paper combines relevant theoretical research with daily use and observation, analyzes and studies its characteristics, existing difficulties and potential risks, from which we can learn how to prevent risks of Internet financial products. Then from the regulators, operators, consumers， three aspects...
