金融學(xué)畢業(yè)論文基于var的余額寶金融風(fēng)險實證分析(已修改)
2025-07-05 19:07 本頁面
【正文】 湖北經(jīng)濟(jì)學(xué)院本科畢業(yè)（設(shè)計）論文2015屆普通本科畢業(yè)論文（設(shè)計） 存檔編號： 畢業(yè)論文（設(shè)計） 題目：基于VAR的余額寶金融風(fēng)險實證分析 專 業(yè)： 金融學(xué) 院 系： 金融學(xué)院 年 級： 2011級 學(xué) 號： 11030215 姓 名： XXXX 指導(dǎo)教師： X XXX X 職 稱： XX XXXX 湖北經(jīng)濟(jì)學(xué)院教務(wù)處 制 目錄摘要................................................................2Abstract............................................................3 余額寶金融風(fēng)險的文獻(xiàn)綜述........................................4（一）國外學(xué)者的觀點綜述............................................4（二）國內(nèi)學(xué)者的觀點綜述............................................4 余額寶的發(fā)展歷程和風(fēng)險分析......................................6（一）余額寶的發(fā)展歷程..............................................6（二）余額寶的風(fēng)險分析................................ .............9 余額寶類產(chǎn)品收益和風(fēng)險的實證分析...............................12（一）模型建立的理論基礎(chǔ)...........................................12（二）數(shù)據(jù)選取.....................................................13（三）相關(guān)檢驗.....................................................13 結(jié)論及對策.....................................................16 結(jié)語...........................................................19參考文獻(xiàn)...........................................................20摘要 隨著互聯(lián)網(wǎng)的普及和金融理財業(yè)的發(fā)展，理財觀念的深入人心，新一代的理財產(chǎn)品已經(jīng)不僅僅再局限于銀行等金融機(jī)構(gòu)實體辦理理財產(chǎn)品，以阿里巴巴商業(yè)平臺旗下的支付寶第三方支付平臺為基礎(chǔ)，天弘基金為依托的網(wǎng)絡(luò)理財產(chǎn)品余額寶應(yīng)運而生，余額寶的實質(zhì)是一種貨幣基金，利用其基金總額進(jìn)行大筆的銀行存單和托管類業(yè)務(wù)獲得收益再依據(jù)各用戶資金量的多少進(jìn)行攤分收益。有收益就有風(fēng)險，雖說貨幣基金相對風(fēng)險較小。但貨幣基金和網(wǎng)絡(luò)的結(jié)合難免會產(chǎn)生新的問題和風(fēng)險，其互聯(lián)網(wǎng)的技術(shù)性和不透明性，金融產(chǎn)品的信用風(fēng)險等雜糅在一起。并且余額寶作為作為互聯(lián)網(wǎng)金融的先驅(qū)，它出現(xiàn)后，涌現(xiàn)出了一大批網(wǎng)絡(luò)理財產(chǎn)品，所以在此將分析其產(chǎn)生的背景及收益風(fēng)險，對當(dāng)前的監(jiān)管政策進(jìn)行探討，提出相關(guān)的建議，對廣大投資者也具有教育意義。關(guān)鍵詞：余額寶；互聯(lián)網(wǎng)金融；金融風(fēng)險AbstractWith 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 thirdparty 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 monetary fund relatively less risk. But the bination of monetary fund and the network will inevitably produce new problems and risks, its technological and opacity of the Internet, financial products, such as the credit risk of mix together. And balance as treasure as the pioneer of Internet financial, after it appears, has emerged a large number of network financial produc
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