Design Of Fund Products Based On Internet Platform

With the development of intelligent communication tools and popularization, the third-party payment services and emerging Internet product development is rapid, the traditional financial business process of electronic has got a good start, at the same time, also poses challenges for financial products innovation. In June of 2013, alibaba launched the "balance" of the business for the whole of China Internet users know the concept of "the Internet finance". But not for long, after a period of time, and the balance Po similar product performance gains eventually return to rational, investors are no longer so capricious. The reason is that the balance is only treasure do the sources of innovation, the product itself has not changed, just wrapped. Visible for relying on the existence and development of the financial products companies, how to achieve development needs to take the "Internet" thinking and discussion.Public funds of the company’s sustainable development is the basis of fund products, fund products research and development of traditional ideas and lagging supervision system led to the serious homogeneity phenomenon. In the impact of the Internet, public funds company how to look for ways to design a new, new strategy has become a focus in the study of this article. Is a ND fund company as the research object in this article, from the characteristics of fund products and product design as well as the basis of analysis of the investor sentiment theory, this paper analyzes the case company foundation of product design, puts forward a P2 P Internet platform to the function of fund products business. On this basis, further subdivided market localization and the analysis of the case company profit target, the application of structured product design ideas based on Internet platform fund product design scheme is given, and the yield of solutions, security testing effect, according to the results, such as market decline or at the bottom of the market, still can maintain benefits, and plenty of liquidity.In this paper, the research content includes the following several parts:The first part, the theoretical analysis. Thesis research methods according to "4 c marketing theory", that provide products according to customer needs. Products should also consider how to convenience for the consumer. Traceback for product diversification, needs to begin from investor demand, in-depth understanding and analysis of the investment fund, goals, and to achieve the purpose of trading platform, rather than fund company can desi gn the product first.The second part, the case company basic condition analysis. After fully analytic investor demand, segment target customer base, targeted for this part of the customer planning fund product revenue risk, set trade routes, and use t heir own advantages to provide the principal ND fund company guarantee mechanism. Through a series of innovative design, make this kind of products are true financial products with the Internet, rather than only sales channel. The third part, the case company product design and its calculation. According to the characteristics of this series of products with the customer risk appetite, using solid alphy strategy model on the market at present. Strategy, it is also a ND fund company most skilful by stock index futures hedge market risk, stock excess returns. At the same time on the expected return and risk to do a complete measurement, mainly using the method of historical data simulation and model is deduced.Finally, on the basis of this analysis, effective operation scheme for ND fund company products try to provide the risk control system and customer service further modification Suggestions are put forward.