Study On The Development Of The Balance Of The Treasure And Urumqi Residents Cognition

Balance treasure wealth management products in 2013, marking the arrival of the era of the Internet financial in our country, the electricity have launched the Internet products, become a hot topic in the social network financial time. But it is undeniable that the rapid rise of the balance of treasure of also has many problems at the same time, due to the lack of supervision mechanism of Internet banking products, balance treasure money there are a lot of uncertainty and risk. According to the theory of cognitive psychology, people’s perception of new things is a process of from perceptual to rational, then investors to balance the understanding of the treasure is in a what kind of level, what is not enough, what means should be taken to reduce the balance of investment risk is a problem that need to be addressed.Articles in Urumqi residents to balance risk cognition as an example, through the questionnaire investigation of consumers in the Taobao’s user registration rate and PayPal Mobile phone usage in a forward position in the country. However the risk perception of balance treasure of Urumqi residents still insufficient. Based on questionnaire research, this article analysis the residents for the awareness of the risks of potential balance treasure in Urumqi and calculated by SPASS20.0 variance analysis, results showed that: Firstly, operational risk awareness of people was significantly higher than it on the market, credit, liquidity(P<0.05); Secondly people’s understanding of regulatory risk was higher than it on credit, security, market and liquidity(P<0.05); Finally, people’s perception of technology services risk significantly higher than market and liquidity risk(P<0.05). All these shows that the main consideration in risk perceptions of balance treasure of Urumqi residents are the operational risk, regulatory risk and technology risk services, not for market risk and liquidity risk awareness. Therefore, this paper provides some recommendations for risk perception of Urumqi residents.