摘要
随着互联网金融对传统金融业务的不断渗透,以支付宝公司的余额宝为代表的互联网基金短期内吸纳了巨量的活期资金,对商业银行造成了显著冲击。本文以余额宝为例,介绍了互联网基金及其业务流程和创新点,分析了互联网基金在多个方面给商业银行带来的挑战,提出了商业银行应对互联网基金挑战的策略。
With permeation of the internet based finance through the traditional finance industry, billions of current savings have been absorbed by internet based fund, represented by YueBao of Alipay, which has an obvious impact on the commercial banks. Taking YueBao as an example, this paper introduces the business processes as well as innovative points of internet based fund, analyzes the challenges of internet based fund to the commercial banks, and proposes corresponding strategies for commercial banks.
出处
《上海金融学院学报》
2013年第4期75-83,共9页
Journal of Shanhai Finance University
基金
浙江省社会科学界联合会研究基金项目(2010B56)
浙江省社会科学界联合会科普基金项目(2013ZC06)阶段性研究成果
关键词
互联网基金
余额宝
商业银行
互联网金融
支付宝
internet based fund
YueBao
commercial bank
internet based finance
Alipay
