摘要余额类理财产品是互联网金融理财产品当中重要的组成部分，但是随着客户群的不断壮大和发展，这一类的产品也开始出现一些风险。对于投资者来说，规避风险是他们比较重视的问题。因此这些产品想要获得投资者的青睐，就必须要做好产品的风险防控，以带给消费者安全感。因此，笔者就以余额宝理财产品为例，针对互联网金融理财产品的存在的技术风险、产品风险、平台风险、外部环境风险、内部环境风险等风险问题进行了分析。并且针对如何防范这些风范提出严控技术风险以确保信息系统安全、进一步规范互联网金融理财产品设计、健全互联网金融理财平台的内部运营机制、加大防控举措以减轻外部环境的影响、建立和完善相关法律法规体系等几点建议，希望这些建议对互联网金融做好理财产品的风险防控工作起到一定的借鉴作用。关键词：互联网金融；内部风险；外部风险ResearchonriskpreventionandcontrolofInternetfinancialwealthmanagementproducts——TakebalancewealthmanagementproductsasanexampleAbstractBalance-basedwealthmanagementproductsareanimportantcomponentofInternetfinancialwealthmanagementproducts,butwiththecontinuousgrowthanddevelopmentofthecustomerbase,someriskshavebeguntoappearinthistypeofproduct.Forinvestors,riskaversionmakesthemmoreimportantissues.Therefore,iftheseproductswanttogainthefavorofinvestors,theymustdoagoodjobinriskpreventionandcontroloftheproducts,soastobringconsumersasenseofsecurity.Therefore,theauthortakesYu'ebaowealthmanagementproductsasanexampletoanalyzethetechnicalrisks,productrisks,platformrisks,externalenvironmentalrisks,andinternalenvironmentalrisksofInternetfinancialwealthmanagementproducts.Andforhowtopreventthesestyles,itisproposedtostrictlycontroltechnicalriskstoensurethesecurityofinformationsystems,furtherstandardizethedesignofInternetfinancialwealthmanagementproducts,improvetheinternaloperationmechanismofInternetfinancialwealthmanagementplatforms,increasepreventionandcontrolmeasurestoreducetheimpactoftheexternalenvironment,establishandimprove.IhopethatthesesuggestionswillplayacertainroleintheriskpreventionandcontrolofwealthmanagementproductsinInternetfinance.KeyWords：Internetfinance;Internalrisk;Externalrisk目录摘要.......................................................................................................................................IAbstract..................................................................................................................................II引言....................................................................................................................................1一、实习单位实习岗位介绍................................................................................................2（一）实习单位介绍....................................................................................................2（二）实习岗位介绍....................................................................................................2二、余额类理财产品发展现状............................................................................................3（一）余额类理财产品概况........................................................................................3（二）余额类理财产品发展现状................................................................................3三、互联网金融理财产品常见的风险问题........................................................................5（一）技术风险......................................................................................
