互联网支付平台跨业经营理财产品的模式和风险——以百度“百发”理财产品为例  

Models and Risks for Cross-industry Operation of Financial Products via Internet Payment Platform——Case of Baidu“BAIFA”Financial Products

作　　者：刘荣[1] 温广虎[1] 崔琳琳[2] 

机构地区：[1]中国人民银行阜阳市中心支行,安徽阜阳236002 [2]中国人民银行徐州市中心支行,江苏徐州221000

出　　处：《征信》2014年第6期12-15,共4页Credit Reference

摘　　要：互联网支付平台不断渗透金融领域,相继推出各类互联网金融理财产品,引起了互联网金融理财的新趋势。在对比分析常见互联网金融理财产品的基础上,以百度"百发"为案例,总结出互联网支付平台经营金融理财产品的一般模式,探讨互联网金融理财产品运作的风险控制问题以及其对传统金融理财机构的冲击和倒逼作用。Internet payment platforms continue to penetrate into financial sector and have launched various internet financial products, causing a new trend of Internet financial planning. On the basis of a comparative analysis on common Internet financial products and a case study on Baidu ＂BAIFA＂, the paper sums up the general operation model of financial products via Internet payment platform, explores the risk control over the operation of Internet fi- nancial products, and discusses their impact and reverse coercion upon traditional financial planning institutions.

关 键 词：互联网支付平台 金融理财产品 运作模式 风险 

分 类 号：F49[经济管理—产业经济]