余额宝对我国银行业的影响分析中文摘要：阿里巴巴公司上市了“余额宝”这一新颖的余额增值方式，受到了社会的广泛眷注。余额宝的诞生加速了互联网对金融市场的重新调整，对商业银行造成的竞争十分明显。它的风险相较于银行的活期以及理财产品的定期要低很多，随存随取。同时有人认为任何金融产品都是有风险的，银行的存款更有保障，因此余额宝的出现对银行业的冲击还是有限。本文通过研究余额宝的特点及优劣势,结合中国银行业的发展近况,分析余额宝对我国银行业的地位、存款以及理财方面的影响，并得出启示。关键词：余额宝 商业银行 互联网Abstract: Alibaba listed on the "balance of treasure" of the new balance of value, has been widely concerned in society. The birth of the balance of the accelerated Internet to adjust the financial market, the commercial banks caused by the competition is very obvious. Its risk compared to the bank's current and financial products on a regular basis is much lower, with the attendant. At the same time some people think that any financial products are at risk, the bank's deposits more secure, so the emergence of the balance of the impact of the banking sector is still limited. In this paper, the balance of treasure the characteristics and disadvantages of the Internet to be bestowed favor on newly, combining the development status of China's banking sector, analysis of the balance of treasure of our country banking industry status, deposit the influence of finance and draw inspiration.Key Words: The balance of treasure Commercial bank Internet经济全球化以来，互联网技术迅速崛起，以网络与经济相结合的产物随着时代的发展相继诞生。阿里巴巴继上市了支付宝之后，又推出一款全新的互联网金融的衍生品。2013 年 6 月余额宝正式上线，凭借着“一元起购，定期也能理财”的口号，在不到五个月的时间里，余额迅速达到上千亿元，成为当今中国范畴最大的货币基金。余额宝的横空出世引起社会的广泛关注，给我国银行业带来了不小的冲击，同时也是商业银行所面临...
