Yubao Risk Management Research

Yu'e bao is a new type of Internet financial product, the success of Yu'ebao changing the IT company's operating forms, through the third-party payment platform, the business extended to pay, finance and other traditional financial sector. Financial products embedded people ' s daily life by the network terminal, changing the financial industry in service mode and structure, similar Internet financial products on the market also emerge in endlessly, impact on the entire financial system is becoming more and more important.Low threshold, high yield, simple operation, easy to use user experience get recognized by the majority of users, but no risks. The Internet changed the way of implementation for financial products and services, but the balance of nature is still treasure derivatives that money market funds. In this paper, by using chart analysis, SWOT analysis of Yu'e bao, the basis of comprehensive understanding balance treasure, judge the main risk factors of affect Yu'e bao earnings, and put forward corresponding strategies to risk factors.It also has a certain reference value in protecting the healthy development of the similar products such as Yu'e bao and balancing the Internet financial innovation and risk management.