本科论文摘要互联网理财产品设计研究的出现与互联网金融的发展有着不可分割的关系。互联网技术的成熟可以使企业成本下降和费用减少，利率市场化让互联网企业在利率方面具备有利地位。金融业的不断壮大，民众理财意愿不断加强，对金融产品的要求也越来越高，互联网理财产品设计研究便应运而生了。本文的创新点在于以A2P的发展现状为切入点，分别从A2P的设计全流程和用户体验的角度出发，深度分析了互联网理财产品设计研究出现的问题，提出切实可行的建议，提高互联网理财产品设计研究的质量。本文由五大部分组成，其主要研究结构如下：首先，第一部分介绍了互联网理财产品设计研究的概况，通过对大量相关文献的查阅，分别对论文的研究背景、研究目的和意义、研究内容和方法进行了简要概括，说明我国互联网理财产品设计研究的必要性和迫切性。其次，第二部分分别对互联网理财产品设计研究的概念、分类、原则进行了论述，对互联网理财产品设计研究进行一个基本的了解。为了更细致地对我国互联网理财产品设计研究进行剖析研究，本文在第三部分着重分析了互联网理财产品设计研究出现的原因、发展现状、出现的问题以及解决对策。第四部分通过介绍A2P,分析A2P的发展现状、设计全流程、用户体验等，从更微观的角度研究互联网理财产品设计研究。本文在第五部分对以上内容进行总结，阐述本论文的创新点和不足点，并期望本论文的未来发展空间。在本文中阐述了互联网理财产品设计研究的概况，分析了互联网理财产品设计研究的现状，并针对出现的问题列出了可行的解决方案，为以后的成长空间提供了更大的可能。通过研究用户体验，更好的突出互联网理财产品设计研究中的优势和不足，从而发扬优势，改善不足。经过分析互联网理财产品设计研究中的问题，可以提高公众的风险识别能力和理财管理能力，进而可以帮助公众规划理财路线。最后结合互联网理财产品设计研究中的问题所给出的解决方案，从而为其他人的研究奠定了可行基础。综上，互联网理财产品设计研究的产生与互联网金融的发展现状及人民需求密切相关，互联网理财产品设计研究的出现对政府的监管提出新的挑战，我们必须深入研究互联网理财产品设计的发展，这对于提出政府监管建议具有重要的现实意义。关键词：互联网理财产品设计研究，A2P,e租宝本科论文AbstractThe emergence of Internet financial product design and research is closely related to thedevelopment of Internet finance.Internet finance develops gradually with the development ofInternet technology and the emergence of interest rate liberalization.The development ofInternet technology enables enterprises to reduce costs and save expenses.Interest rateliberalization enables Internet enterprises to have an advantage in interest rate.With thedevelopment of financial industry in China and the improvement of people's financialmanagement awareness,people's demands for efficient,fast and simple financial products arebecoming higher and higher.Therefore,the design and research of Internet financial productsemerge as The Times require.The innovation point of this essay is to A2P development present situation as thebreakthrough point,separately from A2P design the whole process and the perspective of theuser experience,in-depth analysis of the emergence of the Internet financial product designand research problems,put forward the feasible suggestions,so as to improve theshortcomings of the Internet financial product design and research,improve the quality ofInternet finance product design research.This article is divided into five chapters,the mainresearch structure is as follows:first,the first chapter presents an overview of the Internetfinancial product design and research,through to a large number of relevant literature review,with respect to its Internet banking product design problem investigated in this paper,theresearch background,research purpose and meaning,research contents and methods arebriefly summarized,pointed out our country the necessity and urgency of Internet financialmanagement product design research.Secondly,the second chapter discusses the concept,classification and principles of the design of Internet financial products,and gives a basicunderstanding of the design of Internet financial products.In order to analyze and study thedesign of Internet financial products in China in a more detailed way.The third chapter of thispaper focuses on the analysis of the causes,development status,problems and solutions of thedesign of Internet financial products.The fourth chapter,by introducing A2P,analyzes thedevelopment status,design process and user experience of A2P,and studies the design ofInternet financial products from a more micro perspective.Based on the above analysis and本科论文case study,this paper summarizes in chapter 5,explains the innovation and shortcomings ofthis study,and prospects the research.In this paper,the general situation of Internet financial products is studied,the status quoof Internet financial products is analyzed,the problems are analyzed and the feasible solutionsare given,laying a solid foundation for better development in the future.Through the study ofuser experience,the advantages and disadvantages in the design of Internet financial productscan be better highlighted,so as to promote the advantages and improve the deficiencies.Byanalyzing the problems in the design of Internet financial products,the public's risk awarenessand financial management concept can be enhanced,which is beneficial to the public'sreasonable financial management.Finally,the solutions given by combining the problems inthe design of Internet financial products have laid a feasible foundation for other people'sresearch.In conclusion,the generation of the Internet financial product design and development ofthe Internet financial status and closely related to people's demand,the emergence of theInternet financial product design regulation put forward new challenges to the government,we must further study of the development of the Internet financial product design,for thegovernment supervision Suggestions have important practical significance.Key Words:Research on the design of Internet financial products,A2P,E-zubao