(余额宝简介以及对银行的冲击.docVIP

目 录 摘要 Ⅰ Abstract Ⅱ 1.引言 1 2.余额宝 2 2.1 余额宝简介 3 2.2 余额宝特点 4 2.2.1 操作简单，实现“懒人理财”。 5 2.2.2 最低购买金额没有限制 6 2.2.3.使用灵活，收益高 7 2.3余额宝风险与效益分析 7 2.3.1 风险分析 7 2.3.2 效益分析 8 3.中国银行业 9 3.1 中国银行业现状 9 3.1.1 中国银行业目前成就 9 3.1.2 中国银行业存在问题 10 3.2 中国银行业发展趋势 11 3.2.1宏观经济高速增长，竞争力大幅提升。 11 3.2.2银行业资本补充和资本约束将不断加强。 12 3.2.3投资需求增长，金融服务创新能力显著提升。 12 4.余额宝对银行业影响分析 13 4.1余额宝与银行业对比 13 4.2余额宝对银行的冲击 14 4.3 银行业对余额宝的应对措施建议 14 4.3.1尽快推出针对性产品，分阶段选择实施。 14 4.3.2积极调整其他负债业务和理财业务的流程和模式。 15 4.3.3对个人金融业务的战略调整做好准备。 15 4.4 理财建议 16 结论 17 参考文献 19 摘 要 自2013年6月13日阿里巴巴携手天弘基金推出“余额宝”这一全新增值模式之后，“互联网金融”这个之前并不显眼的，财经论坛的百度、腾讯等网络巨头用户一边享受着相当于一年期存款利率的低风险收益，一边享受着活期存款般的便利Abstract Since June 13, 2013, Alibaba to Celestica fund launched the Yu Ebao the new value-added model, the Internet financial before this was not conspicuous topic, is almost in an instant surge for each financial forum top headlines. According to the latest data, from its establishment in May 29th, as of December 26th, the balance of Bao 7 year returns ratio is 4.816% on average, up to 14 times the rate of demand deposits, the recent 7 year returns ratio is sustained up to 6% above. In the face of balance treasure so outstanding investment returns and expected strong threat, both Baidu, Ten cent network giant or traditional financial giants, have begun to take measures to cope with the Ma this action has caused by the financial storm. Although the balance of treasure user enjoying low risk income equivalent to one-year deposit interest rate, while enjoying the demand deposits like convenience, but it still exists defects could not hide. The paper introduce the balance treasure, combined with the actual situation of Chinas banking industry, comparison and analysis of the impact of the balance of treasure in the traditional banking cause and puts forward personal finance advice. Keywords: Yu Ebao; banking; banking; Internet Banking 1.引言 横空出世的“余额宝”，带来余额宝的推出，对于打破我国铁板一块的金融市场管理格局产生了额外的作用。它像银行一样给客户提供利息，并且利率超过了银行的标准从本质上说是支付宝吸引客户的一种商业手段，比如它可以增加与其合作的基金的市场认可