引言2013年被称为互联网金融元年,很大原因在于余额宝产品掀起了互联网金融大幕的一角,余额宝于2013年6月13日上线,仅仅5天,用户数就过了百万,之后按照每月50%的速度增长。目前余额宝增长的速度和规模虽已接近平缓,但截至2014年6月30日,整个余额宝的资金规模已超过5 741.60亿元,用户数超过1亿名。其合作方为天弘基金管理有限公司,合作之前该公司的资产规模为137亿元,基金 Introduction The year 2013 was called the first year of internet finance due to the fact that Yuen Po has set off a corner of Internet finance. Yu Ebao launched on June 13, 2013. In just five days, the number of users exceeded millions, After 50% of the monthly growth rate. At present, although the speed and scale of balance growth have been near flat, as of June 30, 2014, the total balance of funds has exceeded 574.16 billion yuan and the number of subscribers exceeds 100 million. Its partner is Tianhong Fund Management Co., Ltd., the company’s assets before the cooperation of 137 billion yuan, the Fund