摘要
以余额宝的网络金融创新产品为视角,实证分析余额宝收益率与Shibor之间的关系,结果表明:余额宝的收益率与Shibor之间存在长期的相关性。监管层应适当鼓励并监管余额宝,余额宝应加强自身经营,这将有助于推动我国利率市场化进程;商业银行应加强自身的产品创新、服务创新,发展互联网金融业务,才能拥有竞争力。
From the perspective of Yu Ebao online financial innovation products,an empirical analysis is made on the relationship between Yu Ebao yield rate and Shibor. The results show that there is a correlation in the long run between Yu Ebao yield rate and Shibor. Regulators should be encouraged appropriately to regulate Yu Ebao,while Yu Ebao should strengthen its own operation,which will help promote interest rate liberalization in China; Commercial banks should enhance their product innovation,service innovation,and the development of the Internet financial business so as to achieve a core competitiveness.
出处
《征信》
2016年第1期7-11,71,共6页
Credit Reference
