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1、上海外国语大学贤达经济人文学院毕业论文（设计） 论余额宝对商业银行的影响及应对措施论余额宝对商业银行的影响及应对措施On the impact of YuEBao on commercial Banks and solutions 论文诚信声明本人郑重声明：1.此学士学位论文是本人在指导教师指导下独立进行研究取得的成果。除了特别加以标注和致谢的地方外，本文不包含其他人或其它机构已经发表或撰写过的研究成果。对本文研究做出重要贡献的个人与集体均已在文中作了明确标明。本人完全意识到本声明的法律结果由本人承担。2.本人完全了解学校、学院有关保留、使用学位论文的规定，同意学校与学院保留并向国家有关部门或
2、机构送交此论文的复印件和电子版，允许此文被查阅和借阅。本人授权上海外国语大学贤达经济人文学院可以将此文的全部或部分内容编入有关数据库进行检索，可以采用影印、缩印或扫描等复制手段保存和汇编本文。3.若在上海外国语大学贤达经济人文学院学士学位论文审查小组复审中，发现本文有抄袭，一切后果均由本人承担（包括接受学士学位论文成绩不及格、缴纳学士学位论文重新学习费、不能按时获得学士学位证书等），与论文指导老师无关。作者签名： 日期： IV论余额宝对商业银行的影响及应对措施摘 要余额宝是蚂蚁金服旗下的余额增值服务和活期资金管理服务产品，于2013年6月推出，受到了大量用户的高度认可，并以其高收益、高流动性、
3、便携性等特点迅速崛起，成为我国当前规模最大的一支货币基金。余额宝如此之快的发展速度，在很大程度上影响了我国商业银行的发展，同时也加快了商业银行商业模式的转型。随着时代的加速发展，互联网金融这种重要的金融工具逐渐渗透进社会经济发展，甚至威胁到了中国传统商业银行的盈利模式，我国商业银行必须不断地加快改革，推行新的金融工具的使用，完善经济发展策略，大力创新，才能获得稳定发展。文章首先对余额宝的主体架构进行了概述，界定了余额宝的运作模式、运营特点以及当前的发展模式；其次，回顾了余额宝的理财功能业务和交易工具的产生与发展，总结了余额宝各个业务的发展现状；再次，通过余额宝的操作简便、低门槛、零手续费、可随
4、取随用等优势，指出了余额宝对我国商业银行挑战以及对储蓄、理财、基金代销等业务的重大影响；最后，从不同角度，提出了一系列促进我国商业银行发展的思考和建议。本文围绕余额宝对商业银行产生的价值意义，存在的问题以及实施的强化策略进行探究，具有一定的借鉴作用。关键词: 余额宝 商业银行 银行业务 应对策略II上海外国语大学贤达经济人文学院毕业论文（设计） 论余额宝对商业银行的影响及应对措施The impact of Yu E Bao on Commercial Banks and countermeasuresABSTRACTLaunched in June 2013, Yu E Bao, a bala
5、nce value-added service and demand fund management service product under ant financial services, has been highly recognized by a large number of users. With its characteristics of high yield, high liquidity and portability, yu ebao has rapidly risen to become the largest monetary fund in China.The r
6、apid development of yu ebao has affected the development of Chinas commercial Banks to a large extent, and also accelerated the transformation of commercial Banks business models.With the accelerating development of era, the Internet financial this important financial tools gradually penetrate into
7、the social and economic development, and even threaten the profit pattern of the traditional Chinese commercial Banks, Chinese commercial Banks must continually to speed up the reform, promote the use of new financial instruments, improve the economic development strategy, vigorously innovation, to
8、achieve steady development.Firstly, the paper Outlines the main structure of yu ebao and defines its operation mode, operation characteristics and current development mode.Secondly, it reviewed the generation and development of yu ebaos financial management functions and trading tools, and summarize
9、d the development status of yu ebaos various businesses.Thirdly, yu ebao has the advantages of simple operation, low threshold, zero service fee and ready to use at any time. It points out the challenges yu ebao poses to Chinas commercial Banks as well as its significant impact on savings, financial
10、 management and fund sales.Finally, from different angles, put forward a series of thoughts and Suggestions to promote the development of Chinas commercial Banks.This paper focuses on the value significance of yu ebao for commercial Banks, the existing problems and the implementation of strengthenin
11、g strategies to explore, with a certain reference.Key Words: YuEBao commercialbank bankingbusiness solutions上海外国语大学贤达经济人文学院毕业论文（设计） 论余额宝对商业银行的影响及应对措施论余额宝对商业银行的影响及应对措施目 录绪论11余额宝的概述31.1 余额宝的主体架构31.2 余额宝的运作模式41.2.1 余额宝的运营特点41.2.2 余额宝的发展模式52 余额宝的发展现状62.1 余额宝的产生与发展62.2 余额宝的发展现状72.3 余额宝的交易流程73 余额宝对我国商业银行的
12、影响分析93.1 余额宝对商业银行的挑战93.1.1 余额宝的收益更高93.1.2 余额宝的流动性较高93.1.3 余额宝带动的第三方移动支付方式的崛起103.1.4 余额宝规模的扩大103.2 余额宝对商业银行业务的影响103.2.1 对储蓄业务的影响103.2.2 对理财产品业务的影响113.2.3 对基金代销业务的影响114 商业银行的应对策略124.1 以多用户的需求为经营主体124.1.1 迎合大众金融理财需求124.1.2 加强用户体验124.2 加快商业模式转型134.2.1 发展互联网思维144.2.2 提高信息技术水平144.3 存款资金理财化134.3.1 创新金融理财产品
13、134.3.2 拓展理财范围14结论15参考文献16谢辞17IV上海外国语大学贤达经济人文学院毕业论文（设计） 论余额宝对商业银行的影响及应对措施The impact of Yu E Bao on Commercial Banks and solutionsContentsIntroduction11 Overview of Yu E Bao31.1Introduction of Yu E Bao (Main structure)31.2 Operation mode of Yu E Bao41.2.1 Operational features of Yu E Bao41.2.2 Develo
14、pment mode of Yu E Bao52 Development status of yu ebao62.1 Generation and development of Yu E Bao62.2 Development status of Yu E Bao72.3 Yu E Bao transaction process 73 Influence of Yu E Bao on commercial Banks93.1 Challenges of Yu E Bao to Commercial Banks93.1.1 Yu E Baos revenue is higher93.1.2 Hi
15、gh liquidity of Yu E Bao93.1.3 The rise of third-party mobile payment methods driven by Yu E Bao103.1.4 Expansion of Yu E Bao103.2 The influence of Yu E Bao on commercial banking103.2.1 Influence of Yu E Bao on savings business of commercial Banks103.2.2 Influence of Yu E Bao on financial products of commercial Banks113.2.3 Influence of Yu E Bao on fund consignment business of comme
