互联网金融理财产品投资行为的影响因素研究——以余额宝为例摘 要：互联网

Factors affecting Internet financial products investment behavior - for example to balance treasure <br>Abstract: The <br><br><br><br><br><br><br><br><br>development of the Internet and information technology, lead to changes people's living habits and social mainstream business model. Among them, the balance of treasure influence on society may be the most worthy of our attention. The introduction of the balance of treasure, from the perspective of Alipay, primarily in order to increase customer loyalty; but from the consumer point of view, consumers can use a portion of the funds to pay treasure inside to get benefits, while the balance of funds inside treasure can always consume and transfers, thus, the balance of treasure also become a major tool for effective financial management of the Internet. A survey of all network shows that over Qicheng of Internet users choose to use financial products. To further understand the user with tools like the balance of treasure some cases Internet financial management, we designed a questionnaire to a preliminary understanding of the behavior of Internet users characteristics finance. In this paper, the user level of understanding of the balance of treasure and wealth management products of other Internet users use the balance of treasure reasons, whether financial habits of Internet users and their Internet Banking has made a more facile analysis of specific knowledge, etc., in order to understand consumer groups when exhibited by the Internet and behavioral characteristics among the financial problems, and solutions to these problems timely analysis, more scientific advice to users of Internet Banking. <br><br>Keywords: User; Internet banking; finance; the balance of treasure; investment behavior

Study on the Influence Factors of Investment Behavior of Internet Financial Products Products: Taking Balance Treasure as an Example<br>Excerpts:<br><br>The development of Internet and information technology has led to the great change of people's living habits and the mainstream business model of society. Among them, the impact of balance treasure on society may be the most worthy of our attention. The introduction of balance treasure, from alipay's point of view, mainly in order to increase customer stickiness, and from the consumer's point of view, consumers can use a portion of Alipay's funds to get income, in addition to the balance of the money can also be consumed and transferred at any time, thus, the balance treasure has become a major effective Internet financial tools. According to a survey by Renren.com, more than 70% of users choose to use Internet wealth management products. In order to further understand the user's use of such tools as balance treasure for Internet financial management, I designed a questionnaire to initially understand the behavior characteristics of users to carry out Internet financial management. This paper makes a more superficial analysis of the user's understanding of balance treasure and other Internet wealth management products, the reasons for the user's use of balance treasure, the user's Internet financial management habits and whether they have a specific understanding of Internet financial management, etc., in order to understand the behavior characteristics and problems that consumer groups exhibit when they carry out Internet wealth management. And timely analysis of ways to solve these problems, the user's Internet financial management to put forward more scientific recommendations.<br><br>Keywords: Users; Internet Finance; Financial Management; Balance Treasure; Investment Behavior

A study on the factors influencing the investment behavior of Internet financial products -- Taking yu'ebao as an example<br>Abstract:<br>The development of Internet and information technology has led to great changes in people's living habits and social mainstream business models. Among them, yu'ebao's impact on society is probably the most worthy of our attention. From the perspective of Alipay, the launch of the balance treasure is mainly aimed at increasing customer stickiness, and from the consumer's perspective, consumers can use some of Alipay's funds to get profits. In addition, the funds in the balance can also be consumed and transferred at any time. Therefore, the balance treasure has also become an effective Internet financial tool. A Renren survey shows that more than 70% of users choose to use Internet financial products. In order to further understand the user's use of yu'ebao and other tools for Internet financing, I designed a questionnaire to preliminarily understand the user's behavior characteristics of Internet financing. This paper makes a simple analysis of users' understanding of yu'ebao and other Internet financial products, the reasons why users use yu'ebao, users' Internet financial habits and whether they have a specific understanding of Internet financial management, so as to understand the behavior characteristics and problems of consumer groups in Internet financial management, and analyze and solve them in time To solve these problems, we should make more scientific suggestions for users' Internet financing.<br>Keywords: users; Internet finance; financial management; yu'ebao; investment behavior