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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,同时也是对商业银行的挑战。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,规定最大的转出金额,因此,本文的视角是基于小额投资者的层面而言的。本文通过对以余额宝和百度理财为代表的互联网金融产品的分析,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,从而得出互联网金融产品是一个非常适合小额投资者理财需求的选择,进而在选择上给出相关建议。
The emergence of high-yield and low-risk Internet financial products such as Yuen Po and Baidu Financial is a major impact on the original wealth management market and a challenge to commercial banks. In order to consolidate their own interests, commercial banks have introduced policies to limit the purchase of internet financial products and set the maximum transfer amount. Therefore, the perspective of this paper is based on the level of small investors. Through the analysis of internet finance products represented by YuBaoBao and baidu finance, this article compares the differences between Internet financial products and bank deposits, government bonds, bank financial products and Internet financial products, and concludes that Internet financial products are a very suitable The choice of financial needs of small investors, and then make recommendations on the choice.