Yu Ebao’s Finance Model Innovation And Risk Regulation

The application of Internet is sweeping across the whole world, and the financial industry also driven by the trend, on the Internet provides functionality of financial products and services, making access to financial services more diverse, innovative financial products online is more multifarious. In these financial products, Alibaba’s balance of treasure, has partners Celestica fund increase Liberty Fund, created in the history of the number of investors most Monetary Fund. On the one hand, as a kind of Internet payment and traditional financial products with innovative financial investment products, investors can be as a tool for investment, hedging, profit, for the development of the financial market should has certain positive benefit, but for the risk management of investors or financial products, but also produced a new challenge, so there is a certain significance.Based on the innovation of the balance of treasure and risk management as the research object, first of all, through the relevant theory of the financial development of the Internet and the background of financial innovation, risk management, for its products the characteristics and innovation are analyzed, not only pointed out the creative side, but also pointed out that it has the risk of side; thirdly, the paper uses the related theory of financial project management and methods for technical risk, the balance of treasure business risk for the identification and evaluation; finally, according to the evaluation results and other similar financial products risk prevention experience, suggestions on risk prevention of the balance of treasure. Including the improvement of Internet technology system of infrastructure and technology, our Internet banking supervision department for the construction and standardization of the legal system, personal credit and social credit system construction and so on several aspects of discussion and improvement.I hope this research can give some enlightenment on the balance of treasure this kind of innovative financial products innovation evaluation and risk identification, assessment and response, for the majority of investors of financial products also have a certain reference value.