基于线性回归模型的余额宝价值分析

Quantitative Analysis of Yu Ebao Based on Linear Regression Model

余额宝以其较低的门槛让更多的人接触到货币基金。通过介绍余额宝的主体框架以及2013年余额宝的收益和费用情况,建立线性回归模型,定量分析了余额宝的收益。经过研究发现:可以怀疑在高额利益的背后余额宝公司可能存在前期的贴息问题以吸引客户;余额宝通过协议存款将利润从银行转给客户的同时,并且在一定程度上也把风险转嫁给了客户;余额宝给金融行业带来了革命性的创新是不可否认的,同时也带来了潜在的系统性风险。

Yu Ebao, with its low threshold, let more people access to the monetary fund. Through detailed introduction of the main frame of Yu Ebao ,and the income and expenses of ~u Ebao. Establish a finear regression model, to analysis the Yu Ebao quantitatively. Through the study found that ： in order to attract customers, Yu Ebao may have the problem of interests behind the high profits ; Yu Ebao transfer the profit to customers from bank through agreement deposits , and to a certain extent also the risk on to their customers at the same time ; Yu Ebao has brought the revolutionary innovation to the financial industry is undeniable, but also brought the potential systemic risk.