A Study On The Factors Affecting The Rate Of Return On Internet Financial Products

With the deep integration of Internet technology and finance,Internet financial products into the investor's vision.High yield,low threshold so many investors to find their own investment channels,but the Internet financial products is different from the previous investment products,it has a common property of the financial and the Internet.In the financial products,capital operation,the platform of the business model,sales channels,and so have a lot of new innovation.Resulting in a lot of investors on the Internet financial products sigh,missed a lot of investment opportunities.In order to allow more investors to more deeply understand the Internet financial products,to analyze the main factors that affect the yield of Internet financial products,and then make the right investment decision-making,is the starting point of this study.This paper summarizes the research on the influencing factors of the yield of financial products in the bank,and combines the unique characteristics of the Internet financial products to carry on the innovation research.This paper first analyzes the factors that affect the yield of Internet financial products,including the platform development index,the period,the amount of the purchase price,the development of the Internet,the development of the Internet,the development of the Internet,This paper analyzes the factors that affect the yield of Internet financial products through the establishment of regression model,and analyzes the factors that affect the yield of Internet financial products.This paper chooses 461 financial products issued by Lu Jin,People Loan,Loan Loan,Micro Credit Network,Film Climbing,Jingdong Finance,Phoenix Finance,Suning Finance and Hongling Venture and other 97 Internet financial platforms.And the seven factors as the explanatory variables,the expected rate of return of the Internet financial products as the explanatory variables,and the establishment of the index Cross-section regression model to study the impact of Internet financial products yield micro-factors.In addition,the three factors of monthly industrial added value growth rate,monthly interbank interest rate and monthly CPI index are taken as explanatory variables.The expected rate of return of Internet financial products is used as explanatory variable,and time series regression model is established.The Macro Factor of the Rate of Return of Internet Financial Products.The results of the regression show that the development index,term,transfer,growth rate of industrial growth,interbank interest rate and CPI index are in line with the expectedassumptions,contrary to the expected assumptions.The growth rate of the added value of the industry,the interbank interest rate,the CPI index and the income of the Internet financial products are positively related,while the development index of the platform,the amount of the purchase and the transfer and the profitability of the Internet financial products Is a negative correlation.Finally,the factors that affect the yield of Internet financial products are summarized,and investors can provide a reference to the investment advice.