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互联网金融的快速发展催生了像余额宝、百度理财等高收益、低风险的互联网金融产品的出现,是对原有的理财市场的一次重大冲击,同时也对商业银行传统理财业务带来巨大挑战。商业银行为了巩固自身的利益,纷纷出台限购互联网金融产品的政策,限制最大的转出金额,因此,本文基于小额投资者的视角,比较互联网金融产品和银行存款、国债、银行理财产品以及互联网金融产品之间的不同,从而为小额投资者理财选择上提供相关建议。
The rapid development of Internet finance has given birth to high-yield and low-risk Internet financial products such as YuBaoBao and Baidu Financial. It is a major impact on the original wealth management market and a tremendous challenge to the traditional financial management of commercial banks. . In order to consolidate their own interests, commercial banks have introduced policies to limit the purchase of Internet financial products and set limits on the maximum amount of transfer out. Therefore, based on the perspective of small investors, this article compares Internet financial products and bank deposits, government bonds, bank financial products and the Internet The difference between financial products, so as to provide advice for small investors to make financial choices.