余额宝的应用现状分析与发展研究摘要:在当今社会的发展来看，互联网已被广泛的被应用到了社会中，随着信息技术的快速发展引起了人类社会经济生活的巨大变化，对于这种改变商业银行经营的理念这种改变不但使传统的商业银行经营理念和经营方式受到了一定的冲击。网络经济的快速发展网上银行业务在电子商务中的重要性日益显现出来，从客观上促进了网上金融的大力发展。2013年6月13日由阿里巴巴集团支付宝上线的存款业务余额宝问世，随之被人们应用。本文首先以余额宝的基本概念进行介绍为下文作铺垫，并通过与支付宝之间的差别及余额宝对商业银行的影响进行分析，来论述余额宝的应用现状与其发展研究，根据其存在的优缺点进而探索其能广泛应用和发展的对策。关键词：余额宝；商业银行；对策分析AbstractIntoday'ssocietydevelopment,theInternethasbeenwidelybeappliedtothesociety,withtherapiddevelopmentofinformationtechnologyhascausedthegreatchangesinhumansocialandeconomiclife,forthiskindofthechangeofmanagementconceptofcommercialBanks,thischangenotonlythetraditionalcommercialbankmanagementideaandmodeofoperationhasbeenacertainimpact.Withtherapiddevelopmentofnetworkeconomytheimportanceofonlinebankinginelectroniccommerceisincreasinglyapparent,fromobjectivelypromotedthedevelopingofonlinefinance.OnJune13,2013bytheAli-babagroup'spaytreasureonlinedepositsbalancetreasure,beappliedbypeople.Thisarticlefirstintroducesthebasicconceptsinordertobalancethetreasureforbelowground,andthedifferencebetweenwithAliPayandbalancetreasuretoanalyzetheinfluenceofcommercialBanks,todiscussthebalanceofapplicationsituationanditsdevelopmentandresearch,basedonitsadvantagesanddisadvantages,inturn,candiscoverthewideapplicationanddevelopmentofcountermeasures.Keywords:Thebalanceoftreasure;CommercialBanks;Countermeasureanalysis目录引言............................................................................................................1一、余额宝基本理论概念........................................................................1（一）余额宝的定义及特点..............................................................11、余额宝的定义..........................................................................12、余额宝的特点..........................................................................1二、余额宝与支付宝的差别及对商业银行的影响................................1（一）余额宝与支付宝的差别..........................................................21、支付宝的概念和特点..............................................................22、余额宝与支付宝的区别..........................................................2（二）余额宝对商业银行的影响......................................................21、余额宝对商业银行市场地位的影响......................................22、余额宝对商业银行存款的影响..............................................33、余额宝对商业银行理财产品的影响......................................3三、分析余额宝的应用现状和发展研究................................................3（一）余额宝的应用现状..................................................................3（二）余额宝的发展前景研究..........................................................4四、余额宝的应用存在的优缺点及使余额宝能广泛应用和发展的对策....................................................................................................................5（一）余额宝的优势..........................................................................51、余额宝在金融产品模式方面发展了创新优势.....
