| Alibaba launched an online financial product--Yu'ebao in 2013. Since it pushs financial management to information age, absorbs the advantages of the traditional financial, and is based on the Internet. therefore have the advantages that traditional financial products don't have: simple operation, high yield rate and easy to use. The emergence of Yu'ebao has been widely welcomed by the people, customers reached over 40 million and reserve funds reached over 180 billion yuan just in 2013. Yu'ebao's appearance not only increased the benefits of Alibaba, but also makes TianHong fund well known, meanwhile, exerts great influence on traditional financial sector. As a brand new online financial product, Yu'ebao has certain risks. Most of the customers deeply trust Yu'ebao at present, but it's just because they don't understand the risks of Yu'ebao. Customers' property will be threatened once those risks show up. So research on Yu'ebao's risks and it's regulation must be enforced.This paper analysed the risks of Yu'ebao and the status quo of government supervision, then offer suggestions for government regulation based on the venture analysis. Firstly, this essay introduces the research background, significance, purposes, methods, and the domestic and foreign related research achievements of this subject; Secondly,expounds the origin and development of Yu'ebao; Thirdly, introduces the main risks of Yu'ebao; Lastly, studies government regulation based on the risks and offers several suggestions. |
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