摘要
采用理论和实证研究相结合的研究方法对我国目前的银行"宝宝"类理财产品、余额宝和理财通进行投资差异性分析。研究发现"宝宝"类理财产品的收益走势趋同现象明显,运营费率差距不大,但是就各自的特点不同,表现出的现金净占比差异巨大,由此导致风险水平差异较大。在结合DEA模型得出,理财通中的易理财和现金通E的效率最优。
Using a combination of theoretical and empirical research methods, this paper analyzes the differences in investment of China's current banking "baobao" financial products, Yuebao and Financial-Link. The study found that the "baobao"wealth management products showed a convergence in the trend of income trends, and there was not a large difference in operating rates. However, due to the differences in their respective characteristics, the net percentage of cash represented varied greatly, resulting in a large difference in risk levels. Based on the DEA model, the efficiency of Easy Money and Cash Link E in Wealth Management is optimal.
引文
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