格式样本试析余额宝对银行业的冲击(2).docVIP

摘要 2013年6月13日余额宝正式上线，随后不久就在金融界引起一场轰动，网友们都猜测余额宝可能会冲击银行的活期存款、理财产品以及基金代销业务。事实上余额宝确实冲击益情况，运用spss进行描述性分析，进而得出余额宝收益高于银行的结论，随后引入余额宝这个话题，正文首先介绍余额宝，分析其优劣势，并对其发展进行分析，而后介绍银行的现状，比较银行和余额宝，最后对余额宝对我国银行业造成的影响做分析，并揭示银行业未来的发展趋势。 关键词：余额宝、银行业、冲击、理财产品、活期存款、基金代销业务 Abstract In June 17, 2013 YuEBao officially launched, and in the financial community caused quite a stir, netizens have speculated that YuEBao may impact on bank deposits, financial products, fund distribution business.In fact it does impact the bank business, it will have to pay more attention to the bank from all walks of life.YuEBao can have such a great influence, its greatest advantage lies in the dual functions of financing and it can consumption at any time,the YuEBao has characteristics than bank deposit much higher returns and ready to online shopping consumption, leading to the part of the bank deposit grass root customers into the YuEBao, although these numbers and existing banking customer scale than be not at all surprising, but it can not be ignored.In order to further analysis of the advantage of YuEBao, this article begins with the case analysis in the form of money in theYuEBao and on the earnings of banks, the use of SPSS were analyzed by descriptive analysis, and then draw the YuEBao income higher than bank conclusion, then introduce this topic of YuEBao, the text introduces YuEBao, analyzes its advantages and disadvantages, and the analysis of its development, and then introduces the status of banks, more banks and balance of the YuEBao, treasure of Chinas banking industry by analysis, and reveals the development trend of the future banking. Keywords ：Yu EBao、banking、to attack、financial products、demand deposits、the fund distribution business 目录TOC \o 1-3 \h \z \u 22889 摘要 I 25675 Abstract II 6384 绪论 1 980 1.余额宝和银行业的分析 1 20133 1.1余额宝产生的背景 1 6633 1.1.1.金融背景 1 2665 1.1.2 其他背景 2 435 1.2余额宝的简介 2 16994 1.2.1余额宝的利息收益计算方法 3 18909 1.3 银行业的现状分析 3 24389 1.3.1银行业的成就 3 16945 1.