I 论 文 题 目 互 联 网 金 融 对 银 行 理 财 产 品的 冲 击 研 究 — — 以 余 额 宝 为例摘 要现今，人们的生活因互联网带来了巨大改变，阿里巴巴公司根据互联网金融市场的特点，推出了“余额宝”来吸引更多的客户，并且针对支付宝出现的问题和不足，在余额宝的基础上进行了补充和修改。由于互联网金融遍布全球支付宝和余额宝在理财产品的市场里扮演着重要角色，随着互联网金融的不断发展壮大，对银行金融业提出了新的挑战。本文主要针对互联网金融产品对银行理财产品的冲击研究，根据互联网金融与银行理财产品的概述，从互联网的现状方面发现对银行理财产品造成的影响，引用案例分析法对余额宝进行深入分析，再将余额宝和银行理财产品从五个方面对比分析得出银行理财产品的优势与劣势，最后从分析中发现导致银行理财产品潜在客户流失的主要因素，得到互联网金融对银行理财产品的启示，提出一定的建议及对策。 关键词：互联网金融；余额宝；银行理财产品；冲击II ABSTRACTNowadays, people's life because of the Internet has brought the huge change, alibaba company according to the characteristics of the Internet financial market, launched the "balance" to attract more customers, and to pay treasure to the problems and shortcomings, on the basis of the balance of treasure the complement and modification. Because of the Internet financial all over the world, pay treasure to treasure and balance plays an important role in the financial product market, along with the continuous development of the Internet financial, puts forward a new challenge for banking sector. This paper focuses on the impact of the Internet financial products of bank financing products research, according to the overview of the Internet financial and banking financial products, from the aspects of the status quo of the Internet found that the effects on the bank financial products, reference case analysis method to analyse the balance of Po, and the balance Po and bank financial produ...
