中文摘要：

当前,网上理财显示出了极大的优越性和普惠性,但同时也隐藏着不可预知的交易安全风险。本文研究了网上理财交易者的风险预期及对理财产品收益保障诉求的影响作用,结果表明：网上理财交易者的风险预期越高,期望产生的理财产品收益保障诉求越明显;不同网上理财途径产生的风险预期所要求的收益保障诉求也具有差异性。保障网上交易安全、降低交易者风险预期、维护理财产品稳健收益率,可以更好地促进互联网理财市场的长久有效发展。

英文摘要：

Nowadays, online financial displays enormous superiority and inclusiveness, yet it has unpredictable transaction security risk. This paper researches the effect of risk expectation of online financial dealer to profit guarantee request of financial product, the results confirm that the risk expectation is higher, the dealer wants more profit guarantee request; the effect of risk expectation produced by different online financial approach to profit guarantee request is diversity. This research shows that safeguard online transaction security, decrease dealer＇s risk expectation, maintain steady product profit, which can promote online financial market＇s extended and effective development.