Study On The Risk And Prevention Of Chinese Yu Ebao

By June17,2013, Alibaba in virtue of Alipay that Alibaba’s first payment platformof three party payment push out Yu Ebao what is the Internet financial products bear anepoch-making significance. Yu Ebao combine electronic products with the IMF whatmakes it has the advantages that bank, the traditional Fund products and other financialproducts don’t have. It is convenient, fast, novelty, high yield and intuitive, simpleoperation, T+0withdrawals pattern facilitate the capital turnover. Seemingly all theadvantages of collection in a body. This product receives the majority of youngconsumers. As of December31,2013, the customers of Yu Ebao were number43030000people; the scale of185300000000Yuan, average hold volume reached4307Yuan. Butthe success of Internet financial products is not only the achievement of the Alibabagroup and previously unknown Celestica fund, it’s also a big boom in china financialcircle, And caused a significant impact to traditional financial like banks, Fundcompanies and so on. However, as a new, never before seen in domestic Internetfinancial products, the risk always exist, but at this stage, most users’ trust for Yu Ebaobased on Alipay’s reputation, most of them actually don’t understand the risk of Yu EbaoTherefore, on the basis of literature review and data analysis, case analysis, comparativeanalysis of research methods analysis and prospective analysis and combined with thecurrent situation of. From the fundamental, analyzes the essence of balance of treasure,and combined with the balance treasure present update operation and data, acomprehensive analysis of the Yu Ebao on the other relevant factors,, including theinteraction between commercial banks, fund companies, pay treasure and taobao. com,Tencent Micro message. And PayPal monetary fund, and the Yu Ebao the same foreignInternet financial products through10years of brilliant, eventually to the winding endexperience to carry on the analysis, and analysis of the balance of the understanding ofthe essence and treasure of economic environment, the Yu Ebao now existing or potentialrisk analysis, and puts forward the corresponding measures to prevent risks.