本文選題：余額寶 + 網(wǎng)絡基金產(chǎn)品　； 參考：《金融理論與實踐》2014年06期

【摘要】：借助第三方支付平臺在互聯(lián)網(wǎng)領域(尤其是智能手機端)的推廣,余額寶在2013年6月橫空出世,這匹互聯(lián)網(wǎng)黑馬觸動了傳統(tǒng)金融行業(yè)的神經(jīng),也攪動了整個金融行業(yè),此后各基金公司也爭先恐后地"傍"互聯(lián)網(wǎng)大款以期在新的金融模式出現(xiàn)之初就占據(jù)先發(fā)優(yōu)勢。在基金行業(yè)的互聯(lián)網(wǎng)熱潮持續(xù)發(fā)酵的同時,理論界對此類產(chǎn)品的支持和反對態(tài)度涇渭分明。在網(wǎng)絡金融經(jīng)濟快速發(fā)展的今天,我們有必要在現(xiàn)行法律角度審視余額寶類網(wǎng)絡基金產(chǎn)品的法律地位,辯證地看待余額寶類網(wǎng)絡基金產(chǎn)品的作用、分析其風險,以便能使我們更好地認識這一互聯(lián)網(wǎng)時代新的金融產(chǎn)品類型,從而規(guī)避風險,以期實現(xiàn)對傳統(tǒng)金融的反思并實現(xiàn)傳統(tǒng)金融經(jīng)濟模式與互聯(lián)網(wǎng)金融經(jīng)濟新模式的互補與共贏。
[Abstract]:Thanks to the promotion of third-party payment platforms in the Internet, especially on the smartphone side, Yu'e Bao was born in June 2013, an internet black horse that touched the nerve of the traditional financial industry and stirred the entire financial industry. Since then, fund companies have been scrambling to get ahead of the Internet in an attempt to gain first-mover advantage at the start of the new financial model. While the Internet boom in the fund industry continues to ferment, the support and opposition to this kind of products in the theoretical circle is very clear. With the rapid development of network finance and economy, it is necessary for us to examine the legal status of Yu'e Bao's network fund products from the current legal angle, to dialectically treat the role of Yu'e Bao's network fund products and to analyze their risks. In order to make us better understand the new types of financial products in the Internet era and avoid risks, we hope to realize the reflection of traditional financial economy and the complementary and win-win between the traditional financial economic model and the new Internet financial economic model.
【作者單位】： 中國人民銀行參事室;中國刑事警察學院;
【分類號】：F832.51
，

本文編號：1816882