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摘要随着大数据时代的来临，金融行业和互联网领域相互结合的脚步在加快。异军突起的互联网金融，顺势成为了国际金融发展的新态势。可以说，谁拥有了互联网金融，谁就占据了现代金融发展的制高点。2013年是中国互联网金融发展真正意义上的新纪元，其中，阿里巴巴与天弘基金的合作最为瞩目。凭借一款“余额宝”的产品，强势打破了传统金融产品一枝独秀的地位，极大地冲击了现有的金融模式。而李克强总理在2014 年《政府工作报告》中首次提出“促进互联网金融健康发展，完善金融监管协调机制”这一工作要点，充分显示了我国对互联网金融发展的重视。45630
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互联网金融作为新兴事物，在每一发展阶段具有较为突出的特征，也存在较为明显的问题。本文将以余额宝为例，以经济学理论、金融理论为基础，并结合与传统金融行业的对比分析，对互联网金融发展进行细致而深入的研究，综合地来看待我国互联网金融的发展情况，继而对其未来的发展趋势进行预测。最后，基于类余额宝的互联网金融产品存在的不足，提出一些引导并完善我国互联网金融发展的建议，努力探索出一条互联网金融发展的光明大道。具有很强的专业性和现实意义，希望带给读者更多关于互联网金融的思考。
毕业论文关键词：余额宝； 互联网金融； 金融创新
Abstract
With the big data era, the combination of financial industry and the field of Internet is in the footsteps of speed. As a new force，the Internet financial suddenly rises, and is becoming a new trend of international financial development. It can be said, who owns the Internet financial, who will occupy the commanding heights of the modern financial development. 2013 is the new era of the Internet financial development with the real meaning to China, especially the cooperation between Alibaba and Celestica fund that is the most remarkable. A product named Yu Ebao, strongly breaks the monopoly position of traditional financial products, becoming a great impact on the existing financial model. And Li keqiang, the prime minister of China, put forward something about the Internet financial in 2014 government work report. A main content is to promote the healthy development of the Internet financial and perfect the financial supervision coordination mechanism, which fully demonstrated Chinese attach great importance to the development of Internet finance.
The Internet finance as a new thing, it has prominent features in every stage of development, as well as some obvious problems. This paper will take Yu Ebao as a typical case, also based on the economic theory and the financial theory, combined with the comparative analysis with traditional financial industry, to study of the model of Internet financial development, and comprehensive to treat Internet finance of China, then forecast the future trend. Finally, based on some deficiencies of the Internet financial products like Yu Ebao, to make suggestions as to guide and improve the Internet financial development in China, at the same time, to strive to explore a bright way to the Internet financial development. This paper is full of strong expertise and practical significance, hope to give readers more thoughts about the Internet financial.
Key words： Yu Ebao； The Internet Finance； Financial Innovation
目 录
摘 要 I
Abstract II
一、绪论 1
（一）选题背景和研究意义 1
（二）国内外的研究现状 2
（三）研究内容、方法、创新点和不足之处 3
二、互联网金融发展概况 4
（一）金融与互联网结合的必然性 4