余额宝对商业银行的影响

The Impact of Yu'e Bao on Commercial Banks

随着技术的不断进步,互联网金融得到长足发展,互联网金融的兴起给传统商业银行的许多业务都带来了影响。互联网金融减少了金融交易的成本,提升了金融服务的效率,但是互联网金融整体上对风险的控制能力比较弱。互联网理财依靠自身的起点低、收益性高、灵活性强的优点迅速吸引大批客户,并且抢占传统商业银行的客户。余额宝是互联网理财产品最重要的一个代表,通过对余额宝的分析了解其优势所在,并且依靠这些优势来对传统的商业银行进行整改,激励商业银行进行产品创新以应对互联网金融对其的冲击。

With the continuous advancement of technology, Internet finance has made considerable progress. The rise of Internet finance has had an impact on many businesses of traditional commercial banks. Internet finance has reduced the cost of financial transactions and improved the efficiency of financial services, but the overall risk control ability of Internet finance is relatively weak. Internet financial management relies on its advantages of low starting point, high profitability and strong flexibility to attract a large number of customers quickly and occupy the customers of traditional commercial banks. Yu＇ebao is one of the most important representative of the Internet finance products. Through the analysis o f Yuebao, one can understand its advantages and rely on these advantages to rectify traditional commercial banks and encourage commercial banks to innovate products to cope with the impact of Internet finance.