余额宝的发展现状分析与应对策略.pdfVIP

摘 要 2013 年被视为中国互联网金融的元年。这一年，线上理财产品余额宝的诞生标志着信息化 理财的铺开，它以互联网技术为依托，同时保留了传统金融理财的精髓，因而从诞生之初，他就 拥有了线下理财产品难以企及的先天优势，包括投资门槛低、收益率高于银行存款、操作灵活 等。此也有了传统金融理财产品不具备的优势：操作简洁、收益率高、使用便捷等。余额宝一经 上线，就受到了广泛用户的青睐，它的出现不仅增加了阿里巴巴的受益，也使得天弘基金广为人 知，对传统金融业产生了不小的影响。如今，余额宝诞生四年，度过了进展的繁荣时期，走入稳 定，它的进展面临新的问题，有待研究和商议。 本文首先从余额宝的上市背景和本质入手，由此引出余额宝自身所具备的优势与劣势，之后 从一系列数据展开，分开对余额宝纵向和横向的现状进行分析。然后，基于数据分析和背景分 析，探讨了目前余额宝面临的危险，并提出了相应策略。 关键词：余额宝；互联网金融产品；银行业；危险；策略 Abstract In 2013， the Alibaba launched Yu’ebao this kind of financial products on the Internet. The financial information to， from the traditional financial advantage ， and is based on the Internet， so it is the traditional financial products do not have the advantages of simple operation ， high yield ， easy to use. Yu’ebao has been widely welcomed by the people ，it appears not only increases the benefit of Alibaba， also makes Celestica fund is well known， the traditional financial sector Have no small impact. Now, balance of treasure was born four years, through the development of the boom, into a stable, its development is facing a new problem, need to be researched and discussed. In this paper, first of all, from the perspective of the balance the market background and the essence of the treasure, treasure this balance itself has advantages and disadvantages, then from a series of data, separate to balance treasure the present situation of the vertical and horizontal analysis. Then, based on data analysis and background analysis, the risks of yu e bao are discussed, and corresponding strategies are put forward. Key words：Yu’ebao ;online financial products ；banking； risk ；strategy 目 录 1 引言 2 余额宝产品概述 2.1 余额宝的产生背景 2.2 余额宝本质—理财产品 3 余额宝的进展现状 3.1 余额宝的进展规模 3.2 余额宝的特点与优势 3.3 余额宝的劣势与不足 3.4 余额宝纵向、横向进展分析 3.4.1 余额宝进展现状的纵向分析…………