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:Alibabalistedonthe"balanceoftreasure"ofthenewbalanceofvalue,hasbeenwidelyconcernedinsociety.ThebirthofthebalanceoftheacceleratedInternettoadjustthefinancialmarket,thecommercialbankscausedbythecompetitionisveryobvious.Itsriskcomparedtothebank'scurrentandfinancialproductsonaregularbasisismuchlower,withtheattendant.Atthesametimesomepeoplethinkthatanyfinancialproductsareatrisk,thebank'sdepositsmoresecure,sotheemergenceofthebalanceoftheimpactofthebankingsectorisstilllimited.Inthispaper,thebalanceoftreasurethecharacteristicsanddisadvantagesoftheInternettobebestowedfavoronnewly,combiningthedevelopmentstatusofChina'sbankingsector,analysisofthebalanceoftreasureofourcountrybankingindustrystatus,deposittheinfluenceoffinanceanddrawinspiration.KeyWords:ThebalanceoftreasureCommercialbankInternet目录..............................................................................................................................2.................................................................................................................................2.................................................................................................................................3.................................................................................................................................4...........................................................................................................4......................................................................................................5......................................................................................................5......................................................................................................6...........................................................................................................7..................................................................................................7.........................................................................................................................7..................................................................................................8.........................................................................................................................................9..............................................................................................................................................9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的又...
