本科生毕业论文互联网金融对商业银行业务的影响姓名胡新冕学号20244050109专业金融指导老师马改云2024 年 5 月 20 日摘要随着阿里巴巴在六月十七号推出“余额宝”这一全新的余额增值模式 ,很快就受到了广阔消费者的追捧，众网友纷纷预测金融界将要发生一场地震。许多关注这方面的人都认为余额宝将会对传统金融造成严重的影响.余额宝对银行的冲击，主要是因为用户通过它不仅能够得到较高的收益，还能随时消费支付和转出,用户在支付宝网站内就可以直接购买基金等理财产品，获得相对较高的收益，远高于同期银行活期存款利率，同时余额宝内的资金还能随时用于网上购物、支付宝转账等支付功能，并且它降低了购买理财产品的最低限额，操作简单。通俗来讲,“余额宝”就是支付宝教会网民购买货币基金.本文通过对余额宝和商业银行的介绍以及他们背后的互联网金融的对比，来说明余额宝对商业银行的影响。最后对这些影响进行分析,对银行提出一些个人的建议.关键词：余额宝；互联网金融；商业银行；传统金融AbstractWith the introduction of "balance Alibaba treasure” the new balance of value—added model in June 17th ， and soon by the vast number of consumers ， many netizens have predicted the financial sector will be an earthquake 。 Many of the concerns of the people think that balance treasure will have a serious impact on the traditional financial 。 Balance treasure impact on banks, mainly because the user through it not only can obtain a higher income， but also at any time consumption and payment in and out, the user can directly buy funds and other financial products in pay treasure site， to get a relatively high income, much higher than bank deposit interest rates, while the balance of funds but also at any time within the treasure for online shopping ， pay treasure to transfer payment function, and it reduces the minimum purchase of financial products, simple operation. Popular speaking ， ”balance treasure” is to pay treasure to teach users to buy monetary fund。 Bas...
