互联网金融对商业银行存款影响的实证研究——以余额宝为例

An Empirical Study on the Financial Impact of the Internet on Commercial Bank Deposits

分析了互联网金融国内外研究的现状,由此建立了流通中的货币(M0)、货币(M1)与余额宝的计量经济学模型,实证研究了余额宝对商业银行存款业务的影响,分析了互联网金融给商业银行带来的冲击,并提出了商业银行的应对策略。

The article analyzes the current situation of Internet financial research at home and abroad, the establishment of the currency in circula- tion （ M0）, currency （ M1 ） and the econometric model of the balance of treasure, an empirical study on the impact of the balance of treasure for the deposit business of commercial banks, analyzes the Intemet banking to commercial bank~ impact, proposed commercial banks to deal with strategy.