基于数理金融的视角，通过运用访谈法、问卷调查法、资料分析法、文献法、数理统计等研究方法，分析阐述了余额宝的发展现状及其对传统金融业的影响，论述了余额宝的风险特征。基于对余额宝的发展前景调查问卷搜集的数据，结合“互联网+”时代背景下互联网金融的相关政策，预测余额宝的发展前景很好。%Based on the perspective of mathematical finance, through using interview method, questionnaire survey, data analysis, method of literature, mathematical statistics and other research methods, this paper analyzes and expounds the present development situation of Yu'ebao and the influence of it on traditional financial industry and discusses the risk characteristics of Yu'ebao. Based on the data collected by the questionnaire of the development prospects of Yu'ebao, combined with the related policies of Internet finance under the background of"Internet+", it is forecasted that Yu'ebao has a good development prospect.
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