“双宝”对传统商业银行的影响.pdfVIP

“双宝”对传统商业银行的影响 摘 要 随着社会的进步，人们不断去寻求更高一层次的享受，这也就间接促进了 许多方面的快速发展，就比如智能机器人以及互联网络的出现等。而这些高新 东西的出现，自然就会对传统的东西造成压力，就像现在的电子商务和传统商 业银行的关系，在上世纪的中国，传统商业银行都是中国金融商业方面的龙头 老大，他们的地位不可撼动，而如今就不同了， “双宝”的横空出世使得传统 商业银行优势不再，而且压力倍增，传统商业银行对此又该如何应对呢?而本论 文就是研究支付宝这第三方支付平台带来的各方面的好处，和余额宝这种 财 产品的巨大优势以及“支付宝”和“余额宝”对传统商业银行的影响。 [关键词] 支付宝；余额宝；传统商业银行；优劣；影响 Abstract With the progress of the society, people continue to seek a higher level of enjoyment, it also indirectly promotes the rapid development of many aspects, such as intelligent robot, and the emergence of the Internet, etc. And these high-tech things, will stress on the traditional things, like right now of the relationship between e- commerce and traditional commercial Banks in China in the last century, the traditional commercial Banks are financial business in China, their status unchallenged, but now is different, double treasure was born of the traditional commercial bank advantage no longer, pressure, and the traditional commercial Banks should be how to deal with this? And alipay are studied in this paper is the benefits of all aspects of the third-party payment platform, balance the superiority of this kind of financial product and treasure alipay and Yuebao impact on the traditional commercial bank. [Key words]Alipayz;Yuebao;The Traditional commercial Banks;Advantages and disadvantages; impact 目 录 1 引言1 2 “双宝”的概念1 2.1 “支付宝”2 2.2“余额宝”2 3 “双宝”与传统商业银行的优劣对比3 3.1“双宝”的优势3 3.1.1 “支付宝”的优势3 3.1.2 “余额宝”的优势3 3.2 “双宝”的劣势4 3.3传统商业银行的优势5 3.4传统商业银行的劣势5 4 “双宝”对传统商业银行产生的影响6 4.1 “支付宝”对传统商业银行的影响6 4.1.1推动商业银行的发展6 4.1.2影响了传统商业银行的利润6 4.2“余额宝”对传统商业银行的影响7 4.2.1“余额宝”对商业银行市场地位的影响7 4.2.2“余额宝”对商业银行存款的影响7 4.2.3“余额宝”对商业银行中间业务的影响8 5 传统商业银行应对 “双宝”冲击的建议8 5.1准确定位优势和发展方向8 5.2拥抱大数据8 5.3活期存款价值进行提升9 5.4尽快推出类似余额宝的理财产品10 5.5真正树立 “以客户为中心”的服务意识10 6 结论11 参考文献11 1 引言