| Along with the socio-economic development,and improvement of modern information technology,and the rapid development of Internet technology,there were profound impacts on people's daily lives.The industry has begun to gradually penetrated into business networks,while in changing consumer attitudes,also will be a development perspective to the field of financial planning.Modern Internet technology is widely applied to the financial markets,and use the Internet search engines,social networking sites,online payments,as well as the development of cloud computing,such as diversification,the optimization of resources allocation function of financial markets was positive play,Internet banking has become a common phenomenon.Internet banking operation has been established,and the financial means of the Fund as a daily,it is an urgent need to establish a sound business model to the Internet Fund,to meet the development of market economy.In particular the Yu E Bao was pushed to a higher stage of development of the Internet.Internet platform opens financial product innovation development model,various types of financial products has introduced,for the traditional financial industry brought great impact and challenges.But as far as our existing Internet financial law making and lack of a sound legal system and fund the development of the Internet there are a lot of risks,there is not only a Fund's own market risk,ethical risks,liquidity risks,there is the Internet brought about by the development of information technology risks,and security risks.Under the new situation,whether for investors or Fund shall be in risk analysis and understanding of the premise,to actively avoid risk.On this basis,investors,third party payment institutions,as well as the sustainable development fund,for the development of the Internet Fund provide strong legal protection and regulation,benefits of the Fund's biggest play.The theoretical significance of the research is studied from the perspective of combining theory and practice,in-depth analysis of the Internet Fund risk types,standing on the perspectives of theoretical studies on the risk of a variety of causes were discussed.Those views and analysis was combined with my research results,helps Internet Fund further deepening of theoretical research of risk control,effectiveness of risk control theory applications of the Internet Fund promotion and research is of great positive significance.The research of significance is,research is for Internet Fund one of Yu E Bao risk control expand of theory and practice phase combined of research,research in the pointed out that of Yu E Bao risk control in the appeared of risk type,is in full research has specific financial tool risk status and field survey of based Shang pointed out that of,proposed of countermeasures recommends is for related of risk type proposed,so research of carried out will in objective Shang upgrade Yu E Bao and similar products risk control of efficiency,Optimization of risk control to Yu E Bao and similar products is of great practical significance.This study is divided into five chapters,of which the first chapter is an introduction,introduces the background and significance of the study,review of risk management both at home and abroad on the Internet Fund,PayPal discrimination of Tianhong Fund of the United States,as well as the content of this research and technology.Introduction chapter of Tianhong Fund,mainly from two aspects,including basic information section describes the development process and the management team of the company,and operation part focuses on the company's financial situation,investment and research,as well as large data centers.The third chapter,we introduce the risks of Yu E Bao,is divided into four main parts:payment risks,liquidity risks and security risks,risk policy and regulatory risks,market risks and industry risk.Shortly thereafter,the fourth chapter of this study macro and micro aspects of specific measures to deal with these risks.The fifth chapter epilogue. |
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