浅析互联网金融基于“余额宝”的研究.docVIP

浅析互联网金融——基于“余额宝”的研究 摘 要 随着现代信息技术和移动通讯业务的发展，互联网金融正在成为一种潮流，潜移默化的改变着银行业在金融市场中的定位，对传统的金融模式的发展造成了影响。作为一种互联网与金融业相结合的新兴事物，互联网金融的在线支付、大数据、云计算等网络服务模式比传统的金融模式支付更便利、应用更方便、更节约时间。近年来，我国互联网金融高速发展，阿里巴巴、腾讯等相继开展互联网金融业务。将互联网技术拓展到金融行业，极大地降低了金融交易的时间和成本，扩大了金融服务的边界和市场。特别是2013年6月13日，余额宝的上线，打开了互联网整合销售金融产品的市场，对传统金融业务产生了很大的影响。本文着眼于互联网金融的概念及基于货币金融理论视角下的特点来阐述互联网金融与传统货币金融理论的异同之处，并以阿里巴巴的“余额宝”为例，对余额宝产生的背景、发展现状、发展中存在的问题以及发展前景进行分析。同时在对比国内外互联网金融发展的实践经验，提出一些建议，以期对我国互联网金融的发展起到一定的借鉴作用。 关键词：互联网金融 余额宝 传统金融 Abstract With the development of modern information technology and mobile communications services , Internet banking is becoming a trend, subtle changes in the banking industry to locate in the financial markets , the development of the traditional financial model had an impact . Internet and the financial sector as a combination of something new Internet online payment finance , big data , cloud computing and other network services model than the traditional financial model is more convenient payment applications more convenient and saves time . In recent years, the rapid development of Chinas Internet banking , Alibaba, Tencent have launched Internet banking services. Internet technology will be extended to the financial industry , which greatly reduces the time and cost of financial transactions , expanding the boundaries of financial services and markets . In particular, June 13, 2013 , the balance of treasure on the line , opened the market to integrate the Internet sale of financial products , the traditional banking business had a great impact. This article looks at the concept of Internet banking and monetary theory based on the characteristics of the next financial perspective to illustrate the similarities and differences between the Internet and traditional finance at the monetary and financial theory , and Ali Baba Balance treasure for example , the background of the balance of treasure generated development situation, problems and development prospects for analysis. Simultaneous contra