Risks And Countermeasures Balances Treasure Exists

In recent years, the rapid development of China’s money market, all kinds of financing products have arised in the market. The Internet finance boom ensued. Banks, brokerages, insurance and other funds as well as traditional financial institutions were unable to resist its footsteps, do only with the tide. Internet as representative of modern information technology, especially mobile payments, social networks, search engines and cloud computing will have a financial model of the human impact. In the second phase of the central bank monetary policy report2013has been formally proposed the "The internet finance" concept, in the implementation of the State Council Opinion on financial support for micro enterprise development also mentioned the relationship between the Internet and the Chinese financial future development. The internet finance does not belong to the indirect financing of commercial banks, and the direct financing of capital markets.The emergence of the Yu Ebao brought great innovation for financial markets. The Internet and Finance are the pillar industry of a country, they connect tightly. Not only the traditional marketing channel are more broad, but also the users can enjoy more preferential services. The innovative service model, generous return on investment, consumption and convenient conditions brought more opportunities for Yu Ebao, make Yu Ebao better and better. However, with the rapid development, Yu Ebao will encounters some bottlenecks. In addition to the market risk, liquidity risk and payment risk, the development of Yu Ebao will be constrained by other related risks. Yu Ebao as a third-party payment platform, how to make their product rationalization, how to allow users that outside the platform can also enjoy the benefits, how to get a better respond to market changes, these are problems to be solved. Thus, fully prepared to work is essential. The regulators should be established the status of the Internet finance as soon as possible, and set special laws and regulations. Traditional financial industry should follow up the pace of development, and complement with the Internet finance. In addition, Yu Ebao should continue to expand outside of the client platform. And, the customer should be broken down, classification and integration. Yu Ebao should launch personalized services system, strengthen the quality of the professionals, and build a safe and secure payment platform for users.