需求侧视角下互联网金融理财产品风险分析及防范对策研究  

Risk Analysis and Countermeasures of Internet Financial Products from the Perspective of Demand Side

作　　者：李雪[1] LI Xue(School of Management,Tianjin University of Technology,Tianjin 300384,China)

机构地区：[1]天津理工大学管理学院,天津300384

出　　处：《价值工程》2021年第9期41-43,共3页Value Engineering

基　　金：大学生创新创业训练计划项目资助(202010060076)。

摘　　要：互联网金融理财产品——余额宝、零钱通等的诞生和发展,引起了人们的高度关注,互联网金融理财产品的风险不容小觑。从需求侧视角调查总结互联网金融理财产品存在的风险,利用风险管理相关知识建立互联网金融理财风险评估模型,针对需求侧视角下的互联网金融理财产品存在的风险分别对普通投资者、金融理财产品发行者、金融市场监督者提出风险防范相关对策建议,促进互联网金融业健康蓬勃发展。The birth and development of Internet financial products,such as Yu'ebao and Lingqiantong,have aroused people's great concern.The risk of Internet financial products should not be underestimated.This paper investigates and summarizes the risks of Internet financial products from the perspective of demand side,establishes the risk assessment model of Internet financial products by using the relevant knowledge of risk management,and puts forward relevant countermeasures and suggestions on risk prevention for ordinary investors,issuers of financial products and financial market supervisors from the perspective of demand side,so as to promote that the Internet financial industry is developing healthily and vigorously.

关 键 词：需求侧 互联网 理财产品 风险分析 防范对策 

分 类 号：F831.2[经济管理—金融学]