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在全球高举互联网大旗的时代,人们的理财方式也在不断发生变化,互联网理财产品不断涌现。2013年下半年至今短短两年半的实际,我国“互联网理财”极速发展,成为理财投资界的一场新兴革命,而这场革命掀起的巨浪正在深刻的影响人类所有的层面,包括居民储蓄结构。本文从互联网理财产品发展现状和居民储蓄结构现状出发,对互联网理财产品的发展影响局面储蓄结构的传导机制进行分析,并就互联网理财产品未来的健康发展提出相关建议。
In the era of holding high the banner of the Internet in the world, people’s financial management methods are constantly changing, and Internet financial products are constantly emerging. The rapid growth of China’s “Internet banking” has become an emerging revolution in the financial investment community. The waves triggered by this revolution are profoundly affecting all aspects of humankind. As a result, Including household savings structure. This article analyzes the current situation of the development of Internet financial products and the status quo of residents’ savings structure, analyzes the transmission mechanism of the development of Internet financial products and the structure of savings, and puts forward relevant suggestions on the future healthy development of Internet financial products.