摘要
2013年6月17日,阿里巴巴在其第三方支付平台支付宝上推出了一款全新的余额增值服务"余额宝"。这项新型的服务自推出以来一直高调宣传其收益率远高于同期银行活期存款利率,而成为一时网友们纷纷热议和追捧的对象,在金融界牵起了一场金融改革创新的浪潮。基于此,本文首先就余额宝这一创新理财服务的基本业务和产生背景进行介绍,再分析其在创新方面的特点及高收益背后的风险,进而探讨其对我国商业银行的影响和未来发展的前景。
On June 17^th in 2013, Alibaba announced a brand new financial service called ＂Yu E Bao＂ in China. It is introduced as its yield is much higher than bank deposit, and it soon became a hot target for internet users and later across the country, and it bring a financial innovation in China. Based on this financial innovation storm, this article introduces the facts of Yu E Bao, analysis its innovation brings in the financial area, and points out the possible risks behind it. Last but not least, this article discusses the effects it brings to the commercial banks in China, and its prospect of future development.
出处
《湖南工业职业技术学院学报》
2014年第3期28-30,37,共4页
Journal of Hunan Industry Polytechnic
关键词
余额宝
高收益
风险
前景
Yu E Bao
High-yield
risk
prospect
