摘要
基于"市场结构-厂商行为-市场绩效"理论(Structure-Conduct-Performance,S-C-P理论),运用2012-2015年我国各银行人民币理财产品和余额宝数据分析余额宝对银行理财产品收益率的影响机理并提出研究假设。研究发现,余额宝的出现在一定程度上促进了银行理财产品收益率的提高,余额宝收益率对于银行理财产品收益率有正向相关关系,这意味着余额宝的出现加剧了金融市场内的产品竞争。
This paper mainly analyses the influence mechanism of Yu'Ebao on the yield bank financial products and putsforward the research hypothesis by using'Structure-Conduct-Performance'theory,as well as the data of RMB financialproducts in China's banks and Yu'E Bao from2012to2015.According to the research,this paper found that to someextent,the emergence of Yu'E Bao did contribute to the improvement of the yield of bank financial products,and there is apositive relationship between the yield of Yu'E Bao and bank financial products,which means that the emergence of Yu'EBao increases the competition of the traditional financial market.
作者
赵红
姬健飞
Zhao Hong;Ji Jianfei(School of Management,Xi'an Jiaotong University,Xi'an Shanxi,710049;Antai College Economics-Management,Shanghai Jiaotong University,Shanghai,200030)
出处
《河北经贸大学学报》
CSSCI
北大核心
2017年第3期65-71,共7页
Journal of Hebei University of Economics and Business
基金
国家自然科学基金"我国商业银行实际利益形成机理与影响效应研究"(71103139)
中央高校基本科研业务费专项基金"我国商业银行理财产品超额收益率形成机理与经济效应研究:基于利益相关者理论"(SK2016004)
陕西省社会科学重大理论与现实问题研究项目"丝绸之路经济带战略背景下陕西省人民币跨境使用研究"(2016Z008)
关键词
银行理财产品
余额宝
预期收益率
市场结构
厂商行为
市场绩效
利率市场化
互联网金融
商业银行
Bank Financial Products
Yu'E Bao
Expected Rate of Return
Market Structure
Manufacturer Behaviors
Market Behavior
Market Performance
Interest Rate Marketization
Internet Finance
Commercial Banks
