摘要
余额宝的出现和短期产生的巨大影响,掀起了一场金融领域的革命,成为了推进利率市场化和网络经济环境下金融业务创新的利器.其门槛低、收益高、操作便捷的优势,使其深受广大客户的青睐,对商业银行的存款量、理财产品、基金代销业务构成了直接挑战.因此,在网络经济环境下,银行业要更好的生存和发展,就必须改变传统的经营理念和服务方式,必须建立起以客户为中心、以客户价值为导向的营销理念,不断通过技术创新,来创新金融业务.
The appearance of YuEbao and its tremendous influence emerged in a short period bring about the revolution in the financial field. YuEbao has become a powerful weapon in promoting the marketization of the interest and the innovation of financial business in the circumstance of interact economy. Its advantages of low doorsill, high profit and easy operation make it be favored by a great mass of customers. YuEbao poses a challenge to the deposit amount, financing products, fund agency business of commercial banks. There- fore, in order to survive and develop in a better way, the banking industry should change the traditional marketing concept and service mode, form the concept of ＂customer focus＂ and ＂customers＇ value oriented＂, and innovate the financial business via technology in- novation.
出处
《长沙大学学报》
2014年第2期102-104,共3页
Journal of Changsha University
关键词
金融业务
网络经济
创新
余额宝
financial business
intemet economy
innovation
YuEbao
