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当前,网上理财显示出了极大的优越性和普惠性,但同时也隐藏着不可预知的交易安全风险。本文研究了网上理财交易者的风险预期及对理财产品收益保障诉求的影响作用,结果表明:网上理财交易者的风险预期越高,期望产生的理财产品收益保障诉求越明显;不同网上理财途径产生的风险预期所要求的收益保障诉求也具有差异性。保障网上交易安全、降低交易者风险预期、维护理财产品稳健收益率,可以更好地促进互联网理财市场的长久有效发展。
Currently, online banking shows great superiority and inclusiveness, but also hides unpredictable trading security risks. This paper studies the risk expectations of online wealth management traders and the impact on the demand for the protection of wealth management products. The results show that the higher the risk expectations of online wealth management traders, the more obvious the demand for the protection of the wealth management products is. The different ways of online wealth management The risk appeals are also different. Ensuring the safety of online transactions, reducing the risk exposure of traders and maintaining a steady rate of return on wealth management products can better promote the long-term and effective development of the Internet finance market.