金融學(xué)畢業(yè)論文余額寶金融風(fēng)險(xiǎn)及其監(jiān)管研究-wenkub
2023-07-08 19:07:01 本頁(yè)面
【正文】 假說(shuō)”分析了余額寶吸引眾多用戶以及市場(chǎng)上有眾多類(lèi)似產(chǎn)品出現(xiàn)的原因，并針對(duì)余額寶的風(fēng)險(xiǎn)防范和監(jiān)管提出建議。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(cái)產(chǎn)品，所以在此將分析其產(chǎn)生的背景及收益風(fēng)險(xiǎn)，對(duì)當(dāng)前的監(jiān)管政策進(jìn)行探討，提出相關(guān)的建議，對(duì)廣大投資者也具有教育意義。存檔編號(hào)： 2014屆普通本科畢業(yè)論文（設(shè)計(jì)） 畢業(yè)論文（設(shè)計(jì)）題 目： 余額寶金融風(fēng)險(xiǎn)及其監(jiān)管研究專(zhuān) 業(yè)： 金融學(xué)院 系： 金融學(xué)院 年 級(jí)： 2011級(jí) 學(xué) 號(hào)： 姓 名： 指導(dǎo)教師： 職 稱(chēng)： 湖北經(jīng)濟(jì)學(xué)院教務(wù)處 制 目錄摘要................................................................2Abstract............................................................3前言................................................................5 余額寶金融風(fēng)險(xiǎn)及其監(jiān)管的文獻(xiàn)綜述................................6 余額寶的研究背景和風(fēng)險(xiǎn)分析......................................7 余額寶類(lèi)產(chǎn)品收益和風(fēng)險(xiǎn)的實(shí)證分析................................8(1) 模型建立的理論基礎(chǔ)..............................................9(2) 數(shù)據(jù)選取.......................................................10實(shí)證分析...........................................................11(1) 收益率正態(tài)性檢驗(yàn)...............................................11(2) 結(jié)果分析.......................................................13 目前余額寶類(lèi)產(chǎn)品的監(jiān)管面臨的問(wèn)題...............................17 余額寶類(lèi)金融產(chǎn)品監(jiān)管對(duì)策及建議.................................19參考文獻(xiàn)...........................................................21摘要隨著互聯(lián)網(wǎng)的普及和金融理財(cái)業(yè)的發(fā)展，理財(cái)觀念的深入人心，新一代的理財(cái)產(chǎn)品已經(jīng)不僅僅再局限于銀行等金融機(jī)構(gòu)實(shí)體辦理理財(cái)產(chǎn)品，以阿里巴巴商業(yè)平臺(tái)旗下的支付寶第三方支付平臺(tái)為基礎(chǔ)，天弘基金為依托的網(wǎng)絡(luò)理財(cái)產(chǎn)品余額寶應(yīng)運(yùn)而生，余額寶的實(shí)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(lèi)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。關(guān)鍵詞：余額寶、 互聯(lián)網(wǎng)金融、金融風(fēng)險(xiǎn) 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 products, so in this will analyze its background and ine risk, discusses the current regulatory policy, put forward relevant Suggestions, for the vast number of investors have education significance.一、余額寶金融風(fēng)險(xiǎn)及其監(jiān)管的文獻(xiàn)綜述（一） 國(guó)外學(xué)者的觀點(diǎn)的綜述由于國(guó)外目前沒(méi)有針對(duì)余額寶的相關(guān)文獻(xiàn)，這里余額寶的第三方平臺(tái)機(jī)構(gòu)理論來(lái)綜述觀點(diǎn)。錢(qián)敏偉（2013）對(duì)美國(guó)市場(chǎng)上余額寶的同類(lèi)產(chǎn)品Paypal貨幣基金的發(fā)展歷程分析，并通過(guò)對(duì)Paypal的分析，由此及彼的余額寶成功的原因以及潛在風(fēng)險(xiǎn)，并提出監(jiān)管建議。李慶治（2013）先簡(jiǎn)介余額寶的業(yè)務(wù)流程、風(fēng)險(xiǎn)控制措施，然后分析了余額寶對(duì)商業(yè)銀行的影響，并總結(jié)出余額寶對(duì)商業(yè)銀行的啟示，為商業(yè)銀行在互聯(lián)網(wǎng)金融時(shí)代的發(fā)展提出建議。錢(qián)菡儀（2013）從金融信息化的角度，分析了余額
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