在由余额宝牵出的多种争议中,其实质是什么却没有被过多关注。互联网金融产品给消费者来切实的利益值得鼓励,然而不能无视其中一部分产品的自然垄断特性。互联网金融产品不可盲目扩张、随意突破法规及行业限制。在争议中不断发展互联网金融产品的横空出世搅动了国内金融市场的一江春水,政府官员、学者、金融从业者为此展开了广泛的争 Among the many controversies led by Yu Bao, what is its essence has not been paid much attention. The practical benefits of Internet financial products to consumers should be encouraged. However, the natural monopoly characteristics of some of these products can not be ignored. Internet financial products can not be blindly expanded, free to break through laws and regulations and industry restrictions. Continued development of controversial Internet financial products turned out to stir up a flood of domestic financial markets, government officials, scholars, financial practitioners launched a wide range of controversy