摘要2013年6月17日，余额宝正式上线。互联网用户基础广泛，而且具备技术方面的优势，因此余额宝刚刚出现，就以惊人的速度发展起来，占有了大部分的市场份额。但是，我们不能被它的发展速度所迷惑到，应当清楚的认识到，其本质依然是一款金融产品。当前正在使用的许多金融行业的规则和制度对于余额宝的发展以及监督是没不能完全起到作用，如果出现某些风险因素对余额宝的投资收益产生了消极的影响，投资者就有可能转投其他渠道，余额宝就会受到影响，规模迅速萎缩，甚至完全消失。因此本篇论文主要研究的方向有以下几点，一是余额宝自身的特点，二是和其他传统金融产品之间的差别。同时对于可能会导致余额宝收益下滑的风险因素进行研究，并得出可以使得余额宝及其同类型互联网金融产品稳定积极发展的意见和建议。本文的创新点是研究过程结合了VaR方法还有风险管理理论，深入分析影响余额宝发展的风险因素，并提出建议，对于互联网金融产品的健康发展具有比较重要的现实意义。关键词：互联网金融；金融风险；风险管理；余额宝RResearchonRiskManagementofInternetFinancialProducts——TakeYu'ebaoasAnExampleAbstractOnJune17,2013,Yu'ebaowasofficiallylaunched.WithabroadbaseofInternetusersandtechnologicaladvantages,Yu'ebaohasdevelopedatanastonishingspeedsinceitsemergence,occupyingmostofthemarketshare.However,wecannotbeconfusedbyitsspeedofdevelopment,shouldclearlyrecognizethatitsessenceisstillafinancialproduct.Currentlyinusemanyofthefinancialindustry'srulesandregulationsforthebalanceofthedevelopmentofthetreasureandsupervisionisnotcan'tfullyplayarole,ifthereisacertainriskfactorsonthebalanceofinvestmentincomehasanegativeeffect,investorsarelikelytoswitchtootherchannels,thebalancePowillbeaffected,scaleisshrinkingfast,orevendisappearcompletely.Therefore,themainresearchdirectionsofthispaperareasfollows:first,thecharacteristicsofYu'ebaoandthedifferencesbetweenYu'ebaoandothertraditionalfinancialproducts.Atthesametime,itstudiestheriskfactorsthatmayleadtothedeclineofYuebao'searnings,andcomestotheopinionsandsuggestionsforthestableandpositivedevelopmentofYuebaoanditssimilartypesofInternetfinancialproducts.TheinnovationofthispaperisthatitcombinesVaRmethodandriskmanagementtheoryintheresearchprocesstoexploretheriskfactorsaffectingthedevelopmentofmonthlyreportsandputforwardsuggestions,whichisofgreatpracticalsignificanceforthehealthydevelopmentofInternetfinancialproducts.KeyWords：Internetfinance;Financialrisk;Riskmanagement;Thebalanceofthetreasure目录摘要...................................................................................................................................IAbstract................................................................................................................................II一、绪论..............................................................................................................................1（一）研究背景..........................................................................................................1（二）研究意义..........................................................................................................1（三）研究思路与研究内容......................................................................................1（四）研究方法与拟创新之处...................................................................................2二、理论基础及文献综述..................................................................................................3（一）理论基础........................................
