Legal Risk And Prevention Balance Of Financial Products Treasure

On June 13, 2013, Ali-pay introduced value-added services of Yuebao, the service was launched just six days, its users exceeded 100 million, and instantly it becomes the star of high-yield financial markets because of its innovative form. That "the balance treasure " turned out sets off a wave of Internet banking and it becomes the " dark horse " of financial markets, then a variety of Internet financial babies stage competing financial products. More than a year later, there is a downward trend compared to the trigger stormy newborn, and the scale of development is restricted, while it faces the legal risks. During the year, the financial regulation of the Internet is also becoming clear: In 2013, "Financial Development and Internet regulation" was deployed into the 19 key topics of the financial sector of the State Council; in 2014, the Internet banking for the first time was deployed into the government work report, followed by regulators layer has taken a series of measures, ranging from two-dimensional code and suspend virtual credit card business to the CBRC and the central bank jointly issued the 10 th Man, we can say the healthy development of the Internet has been attached great importance to financial regulators.What is Yuebao in the end? What is the legal relationship of the product? What legal risks this product is facing? In the context of the financial reform, although the Internet financial regulatory agencies work has begun to attach importance to regulators, but regulators have not yet carried out on this new thing strict requirements and supervision, so the public should remain calm thinking, and carefully look at the phenomenon of society, so I treasure to analyze the balance of the law, from the balance of the legal nature and treasure to examine the legal relationship balances treasure, and analysis of the legal risks of its existence, is designed to help the public from a rational perspective on "the balance of treasure" as the representative of Internet banking products, and propose specific measures to prevent and control the legal risks to guard against legal risk balance of financial products bring treasure to safeguard the legitimate rights and interests of consumers, to maintain the healthy development of the Internet finance.