Analysis of the Profit Model of Internet Money Market Funds Based on the Characteristics of Internet Economy–Taking balance treasure as an example

Abstract

The development of Internet technology has, to a certain extent, changed and impacted some traditional financial business models. At the same time, faced with uncertainties such as epidemics and wars, the state has tightened the regulation of money market funds, and the capital market has seen extensive changes. The emergence of generalized artificial intelligence technology has once again accelerated the arrival of the AI revolution. Therefore, this paper takes the characteristics of the Internet economy as an analytical perspective, discusses in depth the profit model of Internet money market funds, and concludes that under the empowerment of the characteristics of the Internet economy network, socialization and digitalization, the traditional financial industry has formed a brand new Internet wealth management product Balance Bao with a low threshold, convenient operation and high rate of return, which significantly promotes the development and innovation of the traditional commercial banks, and also gives a deeper meaning to the society in the Internet—enabling the conventional industry to deeper thinking. The research in this paper is of great significance for the transformation and upgrading of traditional commercial bank products and services and the future development of Internet money market funds. At the same time, it also provides a new perspective for China to actively promote digital industrialization and industrial digitalization to promote the deep integration of Internet technology and the real economy, enrich people’s lives, and enhance the modernization of the level of social governance.