本文试图分析以余额宝为代表的互联网金融理财产品成功背后的根本原因,阐述了互联网金融迅速崛起对金融市场带来的多方面影响,以及未来发展需要面临的问题和挑战。 This article attempts to analyze the underlying causes behind the success of Internet financial products represented by Yu Ebao and expounds the multifaceted impacts brought by the rapid rise of Internet finance on financial markets and the problems and challenges that need to be faced in future development.