随着时代的进步,人们逐渐放弃了将传统银行储蓄作为个人财产保值的手段,人们的生活习惯、消费手段,都在日益随着现代化金融模式而改变,以“余额宝”为典型的互联网金融模式正在逐渐的融入现代社会。目前,互联网金融产品的主体机制、法律等各方面的发展并不完善,运营过程中存在着诸多问题,如果不加以控制投资过程中的风险,不仅对日后互联网金融产品的发展造成阻碍,而且对我国社会经济的健康带来不良影响。因此,对互联网金融产品的发展进行研究有着重大意义。本文从互联网金融投资的主要形式、余额宝的经营模式、互联网金融投资的风险与成因、这几方面进行详细分析、并提出了较为完善的建议,以及应对互联网金融投资的风险防范的措施。 With the progress of the times, people gradually give up the traditional means of saving their bank deposits as personal property. People’s living habits and means of consumption are increasingly changing with the modern financial model. Typical examples are “balance treasure” Internet financial model is gradually integrated into modern society. At present, the development of Internet financial products in various aspects such as the main mechanism and laws is not perfect. There are many problems in the operation of the Internet products. If we do not control the risks in the investment process, this will not only hinder the development of Internet financial products in the future, The socio-economic health of our country has a negative impact. Therefore, the research on the development of Internet financial products is of great significance. This article analyzes in detail the main forms of Internet financial investment, the business model of YuBaoBao, the risks and causes of Internet financial investment, and puts forward some more perfect suggestions as well as measures to prevent the risk of Internet financial investment.