余额宝金融风及其监管研究毕业论文.docx

毕业论文（设计） 题 目： 余额宝金融风险及其监管研究 专 业： 金融学  目录 摘要................................................................2 Abstract............................................................3 前言................................................................5 余额宝金融风险及其监管的文献综述................................6 余额宝的研究背景和风险分析......................................7 余额宝类产品收益和风险的实证分析................................8 模型建立的理论基础..............................................9 数据选取.......................................................10 实证分析...........................................................11 收益率正态性检验...............................................11 结果分析.......................................................13 目前余额宝类产品的监管面临的问题...............................17 余额宝类金融产品监管对策及建议.................................19 参考文献...........................................................21 摘要 随着互联网的普及和金融理财业的发展，理财观念的深入人心，新一代的理财产品已经不仅仅再局限于银行等金融机构实体办理理财产品，以阿里巴巴商业平台旗下的支付宝第三方支付平台为基础，天弘基金为依托的网络理财产品余额宝应运而生，余额宝的实质是一种货币基金，利用其基金总额进行大笔的银行存单和托管类业务获得收益再依据各用户资金量的多少进行摊分收益。有收益就有风险，虽说货币基金相对风险较小。但货币基金和网络的结合难免会产生新的问题和风险，其互联网的技术性和不透明性，金融产品的信用风险等杂糅在一起。并且余额宝作为作为互联网金融的先驱，它出现后，涌现出了一大批网络理财产品，所以在此将分析其产生的背景及收益风险，对当前的监管政策进行探讨，提出相关的建议，对广大投资者也具有教育意义。 关键词：余额宝、 互联网金融、金融风险 Abstract With the popularity of the Internet and the development of the financial services industry, financial management concept of thorough popular feeling, a new generation of financial product has not only confined to the bank again entity of financial products, financial institutions, such as in alibaba business platform, pay treasure to third-party payment platform as the foundation, celestica fund as the backing, a balance of network financial products arises at the historic moment balance of the essence of the treasure is a kind of monetary fund, use the total amount of funds for large bank certificates of deposit and custody business profits based on again there is much to spread the benefits of each user. The revenue is the risk, though mon