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随着互联网和智能手机的迅速普及,我国互联网金融市场应运而生,成为一个潜力巨大的的新兴市场。互联网金融快速的发展为互联网金融理财产品的生长提供丰富的土壤。我国的传统理财市场虽然已经具有很多年的历史,但是它因为门槛高的特点只能为少部分人服务。而这一格局被互联网金融理财产品打破。2013年6月13日,中国最大的互联网公司阿里巴巴集团旗下的第三方支付平台推出一款名为“余额宝”的金融理财产品,成为第一个真正意义上的互联网金融理财产品。互联网理财产品相较于传统的理财产品有以下几个优点:1.高收益,流动性强。2.操作简单,使用方便。3.投资的门槛低。这些优点让越来越多的人选择互联网理财产品。余额宝上线三个月就拿到规模逾越500亿的惊人成绩。在余额宝的带领下各类互联网金融理财产品如雨后春笋般快速出现,快速席卷了整个市场。伴随着这些投资产品的产生,消费者信任这一问题也日渐突出。如何更快,更好,更稳地发展互联网金融理财产品,明显处于弱势互联网理财产品在消费者的信任度方面必须加强。
With the rapid popularization of the Internet and smartphones, the Internet financial market in our country has emerged as an emerging market with great potential. The rapid development of Internet finance provides a rich soil for the growth of Internet financial products. Although China’s traditional financial management market has many years of history, it can only serve a few people because of its high threshold. This pattern is broken by Internet financial products. On June 13, 2013, the third-party payment platform under the Alibaba Group, the largest internet company in China, launched a financial wealth management product called “YuBaoBao” to become the first real internet financial wealth management product. Internet financial products compared to the traditional financial products have the following advantages: 1. High yield, strong liquidity. 2. Simple operation, easy to use. 3. The threshold of investment is low. These advantages make more and more people choose Internet financial products. Balance treasure on the line three months to get the size of more than 50 billion amazing results. Under the leadership of Yuet Po all kinds of Internet financial products quickly mushroomed appear quickly swept the entire market. With the emergence of these investment products, the issue of consumer trust has also become increasingly prominent. How to Develop Internet Financial Wealth Management Products Faster, Better and More Steadily, Apparently at Weaknesses Internet financial products must be strengthened in terms of consumer trust.