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摘要互联网金融自“类余额宝”理财产品得出现，受到人们的追捧，同时也受到大学生这个特殊的理财群体的青睐。 随着电子商务的发展， 大学生也是电子商务重要的市场，他们已经成为电子商务的主力军，同时，也是新兴互联网金融发展相互争夺的市场，他们已经运用互联网进行个人金融理财。但是，目前由于中国互联网金融刚刚兴起，互联网市场环境不规范，一些互联网金融企业不断出现跑路现象，严重影响互联网金融市场的发展，也影响着人们的理财信心。大学生作为一个理财特殊群体，本文以杭州在校大学生的互联网金融理财产品状况为研究对象，通过调查问卷探究大学生互联网金融理财产品的选择影响因素。实证分析互联网金融理财产品风险影响因素与一般大学生对互联网金融理财产品的选择因素，并对其所研究出的影响因素提出相应的建议与意见，帮助大学生正确认知互联网理财风险影响因素，理性选择合理的互联网金融理财产品并提出选择互联网金融理财产品的建议。 48087
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Abstract: Internet financial has appeared since “class balance treasure” wealth management products, sought after by people, but also gets the favorite college students the special financial group. With the development of e-commerce, college students, is an important electronic commerce market, they have become the main force of electronic commerce, at the same time, is also emerging Internet competing for the development of financial market, they have used the Internet for personal financial services. But, at present due to China's Internet financial just started, the Internet market environment is not standard, some Internet financial enterprises appear constantly run phenomenon, serious influence the development of the Internet financial market, also affects people's financial confidence. College students as a special group, this paper takes Hangzhou Internet financial services products condition of college students as the research object, through questionnaire to explore the factors affecting the choice of college students' Internet financial services products. Empirical analysis of the Internet financial services products risk factors and general college students the choice of the Internet financial products, and the influence factors of its developed put forward relevant Suggestions and opinions, to help college students' correct understanding Internet financial risk influence factors, rational choice of the Internet financial services products and choose Internet financial services product suggestion is put forward.
毕业论文关键字：互联网金融 ；理财产品；影响因素；理财风险 Key words: Internet financial; Wealth management products; Influencing factors; Financial risk
目录
摘要..2
1绪论.4
1.1研究背景和意义..4
1.1.1研究背景4
1.1.2研究意义4
1.2研究内容..5
1.3研究方法..6
1.4技术路线..6
1.5本文创新点.7
2.1大学生金融理财现状研究综述..8
2.2互联网金融理财风险因素相关研究综述.8
2.3互联网金融理财中大学生心理和行为研究9
2.4研究存在的不足10
3大学生互联网金融理财影响因素分析与假设..10
3.1互联网金融的内涵界定10
3.2移动社交媒体信息传播有效性影响因素..11
3.3互联网金融理财产品收益因素的影响12
3.4互联网金融理财产品流动性类型..12
3.5互联网金融风险性影响因素.12
3.6互联网金融的技术安全和市场监管的因素.13
3.7大学收入水平对互联网金融理财产品13
4大学生互联网金融理财现状调查与实证分析..13