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本文构建违约赔偿机制下的互联网金融投资理财产品质量均衡模型,描述产品提供方,产品购买方,保险公司等市场参与主体的基本行为和效用.通过数理分析研究互联网金融投资理财产品质量,质量控制成本系数,产品提供方先行赔付金额和保险公司担保补偿金额等参数之间的动态关系.对国内典型互联网金融投资理财产品进行比较,并提出相应的客户保护政策建议.
This paper constructs a balanced model of Internet financial investment and financial product quality under the mechanism of liquidated damages, and describes the basic behavior and utility of market participants such as product providers, product purchasers, insurance companies, etc. Through mathematical analysis, we study the quality and quality control of Internet financial investment products, Cost coefficient, the amount of advance payment of the product provider and the amount of compensation for insurance companies, etc. The paper compares the domestic typical internet financial investment and wealth management products and puts forward corresponding customer protection policy recommendations.