新型理财产品对传统金融行业及理财观念影响——以余额宝为例.docx

PAGE 1 新型理财产品对传统金融行业及理财观念的影响——以余额宝为例 摘 要 2013年被称为“互联网金融元年”，这一年，互联网金融这一概念开始被大众所熟知。进入2014年，互联网金融表现出日益强大的影响力并引起了“鲶鱼效应”，其在冲击传统金融行业业务的同时也有效地促进了传统金融行业的创新与转型。 以互联网为代表的现代电子信息科技，尤其是云计算、社交网络、移动支付以及搜索引擎等方面的快速发展，极大地影响了现代金融模式。人们的消费习惯、生活方式，甚至是金融市场格局正在随着以“余额宝”为典型的互联网金融模式的不断创新而改变。正是在这一背景下，本文对以余额宝为例的互联网金融对传统金融业的影响进行了研究。 本文运用多种方法相结合来研究余额宝对传统金融行业的影响，在此基础上，提出对策建议以推进传统金融行业更好的发展。本文具体内容包括： 第一部分绪论，首先阐明了本文的研究背景、研究意义及研究方法，并对文章涉及到的如互联网金融、第三方支付、互联网融资平台、互联网理财产品等名词进行了简要的说明。 第二部分余额宝的起源及发展现状分析，通过探究余额宝的起源，分析余额宝的竞争优势及其运作机制，以此了解余额宝的发展现状。 第三部分余额宝对传统金融行业和理财观念的影响初探，通过阅读大量文献并结合当今的社会现状，分析了余额宝对商业银行和传统理财观念的影响和冲击。 第四部分余额宝对个人储蓄影响的定量分析，本文选取了以余额宝为代表的货币基金、股票基金和债券基金年数据以及四大行的个人储蓄存款额进行定量分析。 第五部分结论分析和启示，针对余额宝对传统金融行业和理财观念的影响得出相应的启示和对策。 关键词：互联网金融 余额宝 传统金融行业 影响 Abstract 2013 is know as “the first of the Internet Finance” with the concept of it known to all. Nowadays, with its increasingly influence, the Internet finance has also caused a “catfish effect” which means it is forcing a heavy stress on traditional financial industry business as well as effectively helping to promote the innovation and restructuring of them. With the rapid development of modern information technology typified by the Internet, the finance model is especially affected by mobile payment, cloud computing, social network and search engines. Internet products typified by “yuebao” are fundamentally changing our consumption habits, lifestyles and even the economic development pattern. So it is necessary for us to study the effect of Internet finance on traditional financial industry business. This thesis studies the impact of yuebao on the traditional financial industry by using various and puts forward some countermeasures and suggestions to advance the traditional financial industry. The main content of this thesis include: The first chapter is a introduction, this part illustrates the research background and significance and research methods, and the article involved in the Internet banking, the third party payment, Internet financing platf