互联网金融对商业银行的影响—以余额宝为例.docVIP

PAGE 10 摘 要 互联网金融的迅速发展，为金融行业带来颠覆性的改变，并且催生了一批新的金融业务。其中,余额宝便是在这互联网金融繁荣时期的一个产物，通过余额宝的角度来探究互联网金融对商业银行的影响。 本文集中阐述了互联网金融和理财产品、余额宝的相关概念及内涵，围绕余额宝的优势、劣势做了相应的分析，剖析和讨论了互联网金融是如何影响商业银行的，就商业银行业务的问题上提出了个人的看法。 本文是运用文献研究方法进行的专题分析。全文分5个部分：首先，是讨论了互联网金融发展现状。其次，分析互联网理财产品历史和现状、余额宝的优势和挑战。接着，在前面部分的基础上从对商业银行存款、理财、基金代销的角度讨论。然后，讨论商业银行面对挑战采取的措施。最后，对商业银行今后的发展做了展望与分析。 本文主要创新体现在通过针对商业银行业务具体方面去了解互联网金融对它的影响。 关键词：互联网金融 互联网理财产品 余额宝 银行 ABSTRACT The rapid development of Internet finance has brought disruptive changes to the financial industry and spawned a batch of new financial businesses. YuE Bao is one of the products of the boom of Internet finance. It explores the impact of Internet finance on commercial Banks from the perspective of YuE Bao. This paper focuses on the definition and connotation of Internet finance, financial products and YuE Bao, analyzes the advantages and disadvantages of YuE Bao, analyzes and discusses how Internet finance affects commercial Banks, and puts forward personal views on the business of commercial Banks. This paper is a thematic analysis using the method of literature research. The thesis is divided into five parts: firstly, it discusses the development status of Internet finance. Secondly, it analyzes the history and current situation of Internet financial products, the advantages and challenges of YuE Bao. Then, on the basis of the previous part, from the perspective of commercial bank deposits, financial management, fund sales. Then, the measures taken by commercial Banks in the face of the challenges are discussed. Finally, the future development of commercial Banks is prospected and analyzed. The main innovation of this paper is to understand the impact of Internet finance on commercial Banks through specific aspects of their business. Key words: Online finance Internet financial products Yu’E Bao Bank 目 录 TOC \o 1-3 \h \u 一、引言 1 （一）选题背景及意义 1 （二）文献综述 1 二、互联网金融发展现状 2 三、余额宝发展历史和现状 3 （一）余额宝的发展历史 3 （二）余额宝特点 4 （三）余额宝面临的挑战 5 四、互